农户征信及其法律规制

On the Legal System of Farmer Credit Information Collection

农户信用是农民无须付款就可以获得商品、服务或资金的交易活动的特殊形式。作为农户信用的法律体现,农户信用权是农户依法享有的社会对自己经济能力进行客观评价的权利。征信是农户信用体系建设的必要环节,由于农户信用的特殊性,农户征信法律制度在基本原则、主要内容、征信机构的设置等方面有别于其他征信制度。

Farmer credit is the special form that farmers do not have to pay for goods, services or financial transactions. As the legal embodiment of farmer credit, farmer credit right is that farmers have the right to enjoy the objective evaluation that the community conduct their economic ability. Credit information collection is the necessary aspect of constructing the farmer credit system, owing to the special nature of farmer credit, farmer credit information collection legal system differs from other credit information collection system such as basic principles, main contents and credit institutions＇ setting.