个人信用征信

论加入WTO后我国个人信用征信业中的经济租&立法缺失的成本国际比较及相应政策建议

Analysis of Economic Rent in China 's Credit Reporting Industry After Entering WTO & the economic analysis of international law comparison and advices

但总体来讲，我国个人信用征信制度还是不完善。

But generally personal credit system in China is not perfect .

个人信用征信过程中的隐私权的保护

Protection On Right Of Privacy During The Process Of Personal Credit

接下来深入地阐述了个人信用征信法律制度。

Then detailedly analyze the legal system of the individual credit checking .

构建我国个人信用征信法律制度研究

Study on the Construction of the Legal System of Individual Credit Checking

其次介绍我国的个人信用征信体系的发展以及信用征信中信息隐私权保护的基本理论。

The second section introduce the development of personal credit reporting in China .

正因为如此，我国没有对个人信用征信模式的统一规定。

Because of this , the patterns of individual credit checking are not uniform provisions .

我国没有统一的个人信用征信监管机构，各个地方的监管机构也各不相同。

There is no unified regulatory agency , each of the local regulatory bodies also differ .

个人信用征信系统研究

Research for Person Credit System

当前中国，个人信用征信系统的建设正在轰轰烈烈地进行着。

Nowadays the construction of the personal credit information collection system is in vigorous process in China .

摘要我国个人信用征信制度建设缺乏基础和统一规划，也没有完善的评价制度。

The establishment of personal credit inquiry system in China lacks basis , planning and comprehensive evaluation system .

这些问题严重地制约了我国个人信用征信行业的健康快速发展。

These problems have seriously restricted the sound and rapid development of individual credit checking industry in China .

健全的相关制度体系和成熟的个人信用征信产业为我国建立个人信用制度指明了发展的方向。

Advanced relevant institutions and personal credit investigating industry enlighten national direction of construction of personal credit system .

个人信用征信是解决我国目前信用缺位的有力手段。

The credit reporting system is helpful to solve the problem arising from lack of personal credit in China .

首先对个人信用征信进行了界定，对其防范信用风险的功能进行了分析。

This section begins with the definition on individual credit reporting and an analysis on credit risks prevention functions .

个人信用征信体系的建设，是一项系统工程，涉及的范围广，部门多，内容复杂。

The building of personal credit is a complex and systematic work , which concerns many departments in a wide range .

在这部份本文采用了比较法的分析思路。第二，围绕这个权利，个人信用征信活动中应有什么样的制度安排，以便确保权利的实现。

Secondly , according to the rights , what system should be set up to realize the rights in private credit information collection .

在我国个人信用征信制度中，个人征信机构的所有经营活动都是围绕着消费者的个人信用信息展开的。

In the personal credit-inspection system of China , the operation activities of personal credit-in - spection organizations center on personal credit information .

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。

Furthermore dissertate the important sense of the legal system of the individual credit checking , namely promoting the development of the consume credit .

开展个人信用征信的主要功能是克服金融交易中因为信息不对称所带来的道德风险和市场的逆向选择问题，进而规范经济活动中的个人行为。

Personal credit investigation carried out the main function is to overcome the moral hazard , adverse selection in market cause by information asymmetry .

个人信用征信体系，是社会信用体系中不可或缺的重要组成部分，强有力地支持着我国个人信用制度的建立。

Individual credit checking system is an indispensable component part in social credit system , strongly supporting the establishment of Chinese individual credit system .

但是，国际上在个人信用征信方面的发展，已经远远超出了金融业，而是全社会个人于社会的联合征信。

However , the development of international personal credit has exceeded the range of financial industry , and also has related to the whole society .

为了使征信体系得到较全面的法律支撑，需以立法的形式确认个人信用征信体系中各方当事人的权利义务。

It is vital to make clear the rights and obligations of the parties in relevant laws to promote the development of the credit reporting system .

近年来，国家已开始重视信用建设，建立个人信用征信体系已成为我国发展信用经济、建立国家信用体系的迫切要求。

In recent years , building up personal credit system has become an urgent demand of developing the credit economy and establishing the state credit system .

住房抵押贷款风险的防范和控制是一个系统工程，本文尝试从个人信用征信制度、担保制度、保险制度和住房抵押贷款证券化四个方面进行探讨。

This thesis intends to discuss this problem systematically from the following four aspects : individual credit reporting system , security system , insurance system and mortgage-backed securitization .

同时健全政府、高校、银行、学生四位一体的管理体制，完善我国新建立的个人信用征信体系，建议成立教育发展银行和开展生源地贷款。

Meanwhile perfects four integrated management system such as government , colleges and universities , banks , and students , and improve our newly established personal credit rating system .

日本的行业协会非常发达，个人信用征信采用的就是行业协会征信模式，即由行业协会牵头建立信用信息中心。

The trade association is well developed in Japan , so Japan take the credit model with trade associations , that is trade association lead to establish credit information center .

此外，这些规章对个人信用征信的范围规定不一致，对信息主体所享有的权利更是缺乏保护。

In addition , these regulations on the scope of individual credit checking inconsistent with the provisions on the rights of the main body of information is lack of protection .

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。

Finally , found on legislative present condition and commentary of the individual credit checking in our country , the author constructs the legal system of the individual credit checking in our country .

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。

By using comparative method , the author reviews the fairish perfect legal system of the individual credit checking in America and Japan which can contribute to the construction of the relative system in our country .