个人信用制度与个人信用立法

虽然我国的个人信用制度与个人信用立法工作已经取得了一定成绩,但是还是存在如下问题:法律缺位,个人信用业的发展处于盲目之中;个人信用法律的制定思路存在一定偏差;个人信用数据的采集、数据真实性、个人权益保护存在的问题制约着征信业的发展;个人信用中介机构的运作不规范;个人信用管理行业协会尚未建立,行业自律不够,执业规范不统一;政府在个人征信体系建立过程中亟待定位,个人信用环境亟待营造等。只有采取相应对策解决上述问题,我国的个人信用制度与个人信用法制才能健康发展。

Personal Credit System and Personal Credit Legislation

Although we have made some success in constructing the personal credit system and personal credit legislation, there are still some problems left to solve; absence of personal credit legislation; deviations of the thinking of credit legislation; some problems in collecting personal credit data, the trueness of data, the protection of a personal rights and interests; none of the association of personal credeit; none of anagement; the function of the state; the environment of person credit, etc. We should take measures to settle these problems to develop the personal credit system and legislation.