论个人征信主体民事责任

Study of the Civil Liability of Personal Credit Party

现有法律法规对征信主体的违法行为规定过于模糊,对征信主体的民事责任缺乏追究机制,个人信息主体权利缺乏有效法律保护,严重影响了我国征信业的健康发展。故急需以当前法律、法规的关于征信主体承担民事责任的规定为基点,借鉴国外先进立法经验和结合我国的征信实践以寻求完善征信主体民事责任制度的对策。

The stipulation of credit party＇s offense in recent laws and regulations is indefinite.There are lack of accountability institution of credit subject civil liability.The rights of personal information cannot be protected by law.Thus,it has affected the development of our credit industry.This article tries to look for the legal basis of credit party＇s bearing civil liability.Learning from the advanced legislation experience abroad and combining the credit practice in China,the author puts forward some suggestions about consummating the civil liability of credit party.