建立信用档案的法律思考

A legal account of the establishment of the credit file

信用危机是困绕当今中国社会的大问题,建立信用档案不失为解决该问题的有效途径之一。现在,建立信用档案正当其时。我国建立信用档案应避免重复西方的老路,在主体、内容、程序、查询、监督等方面应有中国特色。建立信用档案应注意其合法性,使其尽力发挥最大效力。

The credit crisis is currently a major social vulnerability in China. Likewise, it would be the most effective solution to buildup a credit file. On this basis, the writers of the paper claim that it is high time we did it, but we should avoid repeating the ways once adopted in the west. Furthermore, we should take into our consideration such aspects as the subjects, contents, procedures, and supervision that fall into the category of Chinese special characteristics for the sake of legality in effect at the mean time.