论我国征信法的构建

近年来我国失信问题变得越来越严重,围绕信用问题提出种种解决方案,征信立法提上议事日程。征信法的性质和征信公司的设立模式都对征信立法的实效产生重大影响;作为信息提供者的行政机关和金融机构出于自身利益可能会阻碍征信公司的征信行为,消费者的个人隐私和企业的商业秘密会由于网络传播的快捷而受到进一步的侵犯,征信法必须考量相关主体权利的维护,从而促进我国信用体系的完善。

The Establishment Of Chinese Credit Reporting Law

The problem arising from lack of credit is getting more and more serious in China in recent years. Various measures have been put forward to solve the credit problem, and the legislation on credit reporting has been put on agenda. The nature of credit reporting law and the patterns of establishment of credit reporting corporation will have an influence on the implementation of credit reporting law. Administrative offices and financial institutions may hinder the credit reporting corporation from collecting credit information for their own benefits.The consumer's privacy and the enterprise's business secrets will suffer further violation because of the fast spreading of the network. Therefore, the credit reporting law should consider how to protect the rights of the party concerned so as to promote the development of the credit system.