美国个人征信权益保护与征信业发展的立法经验——对中国征信立法的启示

American Experience in Individual Credit Reference Rights Protection and Legislation for Credit Reference Industry Development——Enlightenment for China on Credit Reference Legislation

当前我国对个人征信业务需求日趋扩大,但由于征信业发展滞后、法律制度不完善、个人守信意识和维权意识较差,个人信用侵权行为时有发生。因此,借鉴美国分散立法、判例执法、个人信息"宽进严出"等经验,立足我国实际,提出我国征信业发展过程中个人权益得到保护的建议,即依法治国为理念、公共权益为原则、信息征集为基础、信息应用为关键、救济制度为补充。

At present, the demand for individual credit information in China has been increasingly enlarged, but be- cause of credit reference industry being lagged behind, imperfect legal system, worse sense of personal faith and less awareness of rights protection, violation behavior against personal credit occur frequently. Therefore, Learning from the American experience in decentralized legislation, case law enforcement, personal information ＂ lenient entry, stringent exit＂, based on the reality in China, it＇s proposed that individual rights be protected during the develop- ment of China＇s credit reference industry, i.e. following the idea of running state affairs according to the laws, the principle of public interests, basing on information collection, information application being a key factor, relief system being supplementary, etc.