个人信用征信法律制度研究

发布时间：2018-05-15 19:19

本文选题：消费信贷 + 征信　；参考：《兰州大学》2006年硕士论文

【摘要】：本文首先从消费信贷概念的比较和分析入手,界定了消费信贷的内涵,并对消费信贷与相关概念进行了辨析。同时还分析了消费信贷对经济增长,消费者的生活水平以及对金融机构和商业机构等所起的积极作用。进而本文论述了个人信用征信法律制度的重大意义,即促进消费信贷发展。消费信贷作为一种信用活动,它不可避免的与风险相生相伴。笔者从经济学的角度运用信息不对称理论和成本论详细分析了消费信贷信用风险的形成原因。基于对消费信贷信用风险的理论分析,因此降低消费信贷信用风险的制度安排就是建立个人信用征信制度。个人信用征信制度可以降低消费信贷市场上的信息不对称性,而且失信惩罚机制使失信者的违信成本大大提高。接下来深入地阐述了个人信用征信法律制度。首先对个人信用征信相关概念进行了界定;然后对个人信用征信系统、征信相关法律关系以及规范个人信用征信活动的必要性进行了深入的论述。从美国、日本等发达国家相当完善的个人信用征信法律制度入手,引入了比较的方法,考察他们相关的法律制度,以期对构建我国个人信用征信法律制度起到重要的借鉴作用。最后,基于我国个人信用征信的立法现状及其评析,来构建我国的个人信用征信法律制度。在个人信用信息的采集和使用方面,界定了个人信用信息的范围、禁止采集的个人信用信息、采集方式、维护和更新以及个人信用信息的使用方式;对于征信机构,界定了征信机构的性质并对征信机构侵犯被征信人的隐私权进行了规制;在个人信用征信监管方面,就监管主体而言,理论界颇有争议,笔者通过理论和实践层面的论述,认为应该由中国人民银行进行监管,同时论述了征信监管的主要内容;在失信惩罚制度方面,概述了失信惩罚机制,并提出了立法建议。
[Abstract]:This paper begins with the comparison and analysis of the concept of consumer credit, defines the connotation of consumer credit, and discriminates consumer credit and related concepts. It also analyzes the positive effects of consumer credit on economic growth, consumer living standards and financial and commercial institutions. Furthermore, this paper discusses the great significance of the legal system of personal credit investigation, that is, to promote the development of consumer credit. As a kind of credit activity, consumer credit inevitably accompanies with risk. Based on the theory of information asymmetry and cost theory, the author analyzes the causes of the credit risk of consumer credit in detail from the angle of economics. Based on the theoretical analysis of consumer credit risk, the institutional arrangement to reduce consumer credit risk is to establish personal credit information system. The personal credit information system can reduce the information asymmetry in the consumer credit market, and the penalty mechanism of the breach of credit greatly increases the cost of dishonesty. Then, the author expounds the legal system of personal credit investigation in depth. Firstly, the author defines the concept of personal credit information, and then discusses the system of personal credit information, the legal relationship of personal credit information and the necessity of standardizing personal credit information activities. Starting with the quite perfect legal system of personal credit information in developed countries such as the United States and Japan, this paper introduces a comparative method to investigate their relevant legal systems in order to play an important reference role in the construction of the legal system of personal credit information in our country. Finally, based on the legislative status quo of personal credit investigation in China and its evaluation, the legal system of personal credit investigation in China is constructed. With regard to the collection and use of personal credit information, it defines the scope of personal credit information, prohibits the collection of personal credit information, means of collection, maintenance and updating, and the use of personal credit information. The author defines the nature of the credit agency and regulates the infringement of the right of privacy of the credit agent by the credit agency. In the aspect of the supervision of personal credit information, the theoretical circle is quite controversial, and the author discusses it through the theoretical and practical aspects. This paper holds that the supervision should be carried out by the people's Bank of China, and discusses the main contents of the supervision of credit investigation, summarizes the mechanism of punishment for breach of trust in the system of punishment for breach of trust, and puts forward some legislative suggestions.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2006
【分类号】：D923

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