征信中的民事权利保障研究

发布时间：2018-02-17 07:10

本文关键词： 征信信用民事权利保护　出处：《南昌大学》2015年硕士论文　论文类型：学位论文

【摘要】：我国是社会主义市场经济而其本质是信用经济,征信行业的发展程度与征信制度的完善关系着我国市场经济是否能够拥有良好的外部环境。我国目前的征信制度还不够健全,与市场的衔接程度远远不够这在很大的程度上制约了我国经济的发展。在征信活动过程中,征信主体信息不实、信息查询困难以及查询后的异议申诉渠道不够畅通等现象严重的侵害了征信主体的民事权利。所以我们要努力平衡好社会公共利益与征信主体民事权利之间的关系,对征信机构的征信活动加以适当的管理,通过法律的途径对征信制度中出现的各种侵权问题加以妥善的解决。本文从我国实际情况出发并参考历史发展经验和教训从中总结出有利于我国征信制度建设的法律方面的启示,以期能为我国征信制度建设中民事权利的保护提供一些参考。本文的主要观点有鉴于目前征信方面零散、不成体系的立法现状呼吁给予立法关注;中国人民银行对征信行业进行行政性的管理,但是在某些方面也存在擅自越权的现象,所以进行专门的法律立法管理就显得极为必要;同时要设立特殊情形的惩罚性赔偿制度,对民事权利的保护应该结合行政保护和刑事责任保护两个方面,如此征信中的民事权利才算得到了真正的保障。
[Abstract]:Our country is a socialist market economy and its essence is credit economy. The degree of development of credit investigation industry and the perfection of credit investigation system are related to whether our market economy can have a good external environment. The degree of connection with the market is far from enough. To a great extent, it restricts the development of our economy. In the process of credit reporting, the information of the credit inquiry subject is not true. The difficulty of information query and the lack of smooth channels of dissent and appeal after inquiry have seriously infringed on the civil rights of credit inquiry subjects. Therefore, we should strive to balance the relationship between social public interests and civil rights of credit inquiry subjects. To properly manage the credit reporting activities of credit agencies, Through the way of law, the problems of tort in the credit system are solved properly. This paper sums up the problems which are beneficial to the construction of credit system in our country, starting from the actual situation of our country and referring to the experience and lessons of historical development. Legal implications, In order to provide some reference for the protection of civil rights in the construction of credit system in our country. The people's Bank of China carries on the administrative management to the credit investigation profession, but in some aspects also has the phenomenon of the unauthorized ultra vires power, therefore carries on the specialized legal legislation management to appear extremely necessary; at the same time must establish the special situation punitive compensation system, The protection of civil rights should be combined with administrative protection and criminal responsibility protection.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923

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