摘要
信息主体权益保护是征信业健康发展的条件之一。我国应在明确信息主体信用权利性质的基础上,构建不同层次的征信法律法规,保护信息主体的权利。国家应在基本民事法律当中明确民事主体的信用权概念,在专门的征信立法中明确征信业各类主体的基本行为规则,并就非法征信行为及其法律责任作出明文规定,同时就信息主体权益的保护机制作出安排,直接规定或授权征信管理部门建立信息主体权益保护的非诉讼处理机制。此外,征信业的自律也是信息主体权益保护重要补充手段。
The rights protection of information subject is one of the conditions for a healthy development of credit ref- erence industry. It＇ s compulsory for China to build der to protect rights of information subject based on ject. It＇ s necessary for China to specify concepts of up credit reference laws and regulations at different levels in or- defining clearly the nature of credit rights for information subcredit rights in basic civil laws, while the basic rules for Various formation subject. In addition, self- discipline in the credit reference industry is also information subject rights protection.
出处
《征信》
北大核心
2011年第1期13-16,共4页
Credit Reference
关键词
个人征信
信用报告
信用权
信息主体
征信立法
权利保护
individual credit reference
credit report
credit right
information subject
rights protection an important supplement to credit reference legislation
