信用的权利化及其民法保护

在我国，信用权利化的提出有着特定的立法背景。通过对信用法律调整历史沿革的考察可以发现，信用的内涵是不断发展变化的，从最初关注主体在伦理道德方面信守承诺的情况，扩展到主体的综合经济能力。现代民法对信用的调整以社会对主体的信用评价为核心，信用作为社会对主体综合经济能力的评价，已非主体性要素，且已从“内在化的伦理价值”外化为“客体化的人格要素”，成为一种具有典型性、独立性的人格要素。因此，有必要也能够将信用权利化为具体的人格权，以确保民事主体获得客观公正的信用评价。

On the Right-Rization of Credit and Credit Rights' Civil Law Protection

In China, the proposal of credit rights has a particular legislation background. In this article we investigate the legal regulation of the credit in different periods, and find out that with the continuous expansion of the meaning of credit, the legal regulation of credit in private law has also been changed, from initially focusing on the ethical and moral commitments, extending to the overall economic capacity. The legal regulation of credit in private law pays more attention on the social e- valuation of one＇s economic capacity. As the social evaluation of one＇s economic capacity, credit has been changed, from ＂within the ethical value of personality＂ to ＂object-oriented elements of person-ality,＂ which has become a typical personality factors. In order to protect one＇s credit interests, credit rights should and could have been the typical civil rights.