我国个人信用信息采集制度研究——以家庭为单位的个人信用信息采集制度的确立与实施

Research on the Personal Credit Information Acquisition System in China

信用信息采集制度的确立是信用经济发展与征信体系建设的基础。本文从分析我国个人信用信息采集范围、采集方式存在的问题入手,提出在我国确立以家庭为单位的个人信用信息采集制度不仅在理论上具备合理性和历史必然性,而且具有充分的实践依据,进而从法制建设、信息共享、技术标准3个方面具体设计出我国个人信用信息采集制度的实施策略。

The establishment of the credit information acquisition system is the basis of the development of credit economy and the construction of the credit system. Beginning with the analysis of the problems in the scope and method of acquiring personal credit information in China, this paper holds that the establishment of the familybased personal credit information acquisition system in China not only has rationality and historical necessity in theory, but also possesses sufficient basis in practice. The paper further devises the detailed implementation strategies of the personal credit information acquisition system in China in terms of legal construction, information sharing and technical standard.