个人征信中信用权保护研究

发布时间：2018-09-14 09:27

【摘要】：现代市场经济是信用经济,市场经济的蓬勃发展离不开征信体系的发展完善。如果个人的信用存在不当评价将会对其社会经济生活,如贷款、消费以及就业等方面造成严重影响。因此,伴随着互联网与大数据时代的到来,通过我国的个人征信系统的建设与完善,实现对公民的个人信用权益的保护,显得尤为重要。目前,我国个人征信中信用权保护的法律制度严重缺失,随着信用经济的发展,我国的个人征信法律制度还无法与之相适应;没有配套的制度的现状,导致了在个人征信领域内侵害信用权现象的存在并屡禁不止。而信用侵权现象的发生造成信用状况的紊乱与无秩序,进而严重影响了正常的信用环境营造。因此,亟需对被征信人信用权的法律保护问题进行深层次研究,尤其是针对目前我国的民事立法方面对于信用权的独立地位未予以明确规定,导致在个人征信过程中就会存在主体之间的法律关系不明晰,从而制约了个人信用权益的保护与完善。因此,对个人征信过程中的信用权法律保护相关理论和制度构建进行研究,阐释我国确立独立的信用权的必要性显得尤为重要。同时,针对我国目前在个人征信中存在的信用权侵权现象,包括在个人征信采集、传输、加工以及利用的过程中存在的侵权现象与立法存在的问题予以归纳梳理,借鉴域外的经验做法,并结合我国的实践,构建完善的信用权保护措施以及建立切实可行的民事责任、行政责任以及刑事责任救济机制,深化个人征信制度与信用权保护理论研究,为我国信用权保护立法提供理论支撑和制度安排。
[Abstract]:The modern market economy is the credit economy, the vigorous development of the market economy can not be separated from the development and perfection of the credit information system. If an individual's credit is misjudged, it will have a serious impact on his or her social and economic life, such as loans, consumption, and employment. Therefore, with the advent of Internet and big data era, it is particularly important to realize the protection of citizens' personal credit rights and interests through the construction and improvement of personal credit information system in China. At present, the legal system of credit right protection in personal credit investigation in our country is seriously lacking. With the development of credit economy, the legal system of personal credit investigation in our country has not been able to adapt to it. It leads to the existence and repeated prohibition of the phenomenon of infringing upon credit right in the field of personal credit investigation. The occurrence of credit infringement caused the disorder and disorder of credit condition, which seriously affected the construction of normal credit environment. Therefore, there is an urgent need to conduct a deep study on the legal protection of credit rights of creditees, especially in view of the fact that the independent status of credit rights is not clearly stipulated in the current civil legislation of our country. In the process of personal credit investigation, the legal relationship between the subjects is unclear, which restricts the protection and improvement of personal credit rights and interests. Therefore, it is particularly important to study the theory and system construction of legal protection of credit right in the process of individual credit investigation, and to explain the necessity of establishing independent credit right in our country. At the same time, aiming at the phenomenon of credit right infringement existing in personal credit investigation in our country at present, including the tort phenomenon existing in the process of personal credit collection, transmission, processing and utilization, and the problems existing in legislation are summarized and sorted out. Drawing lessons from the overseas experience and practice, and combining with the practice of our country, we construct perfect credit right protection measures and establish feasible civil liability, administrative responsibility and criminal liability relief mechanism. To deepen the research of personal credit investigation system and credit right protection theory, to provide theoretical support and system arrangement for China's credit right protection legislation.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923

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