金融危机背景下我国个人征信体系监管的法律思考

A Study on Supervision Pattern of Personal Credit Collecting System

金融危机的爆发暴露了征信体系监管的不足。我国个人征信体系的建设还处于初建时期,为了规范个人征信行为,完善立法和建立有效的监管体系都是十分必要的。征信监管体系的建立首要的是确立征信监管模式。借鉴征信国家的经验,选择适合我国的征信监管模式并以立法加以规范是我国个人征信业健康发展的必由之路。

Now we are in the beginning of the personal credit collection system construction. In order to regulate the eonduct of personal credit collection ,we should improve the law and set up the supervision pattern. To select a supervision pattern is the first thing to do to set up the personal credit system. So we should select a supervision pattern that is suit our country by referring to other countries.