个人征信制度研究——个人信用信息的征集、使用与信息主体权益的保护

Study on Personal Credit Reference System——How to Collect and Use Personal Credit Information,and Protect the Rights of Credit Reference Principals

基于新制度经济学理论,借鉴国际个人征信制度的发展历程,着重研究个人信用信息的征集、使用与信息主体权益的保护问题,并结合我国经济社会发展水平,提出建立健全与我国国情相适应的个人征信制度的建议。

Based on the new theory of institutional economics,taking development process of international personal credit reference system for reference,this paper focuses on how to collect and use personal credit information,and protect the rights of credit reference principals,combined with China＇s economic and social development,proposals are made for the establishment of a sound compatible personal credit system suitable for China＇s national conditions.