个人征信体系的法经济学基础

Study on the Personal Credit Reference System by Law and Economics

个人征信体系是信用经济发展的产物。在信用经济中人们的经济行为往往存在着时间间隔,在这样的交易中信息就成为极其重要的因素。运用经济学的基本理论进行分析,我们都可以得出这样的结论,那就是信息是信用的前提与基础,克服信息不对称的主要手段是为市场提供制度设计,个人征信体系就是为市场提供信用信息的制度,制度的建立与运行需要法律的保障,建立个人征信法律制度我们需要明确个人征信的法律原则与法律关系,以促进个人征信体系的健康发展。

Personal credit reference system is the product of the development of credit economy. The people＇ s economic behavior often exists time interval in the credit economy. Information becomes extremely important factor in such transactions. Analysing by the basic theory of economics, we can draw such a conclusion that information is the premise and foundation of credit, Provi- ding system design is the main instrument for the market to overcome information asymmetry. Personal credit reference system is the system to provide the market with credit information. System establishment and operation need legal protection. We need to make clear the legal principle and legal relationship to establish personal credit reference system. So that we can promote the healthy development of personal credit reference system.