民商法与健全个人信用体系的现实融合

Civil and Commercial Law and the Improvement of Personal Credit System

近年来我国社会经济出现飞跃性发展,以及社会信用体系初具规模的建立健全,让人们对自己的信用状况越来越重视。属于国家信用重要组成部分的个人信用体系,是解释、证明和查验人们信用情况的依据,只有国家信用体系完善,法律健全,以个人信用作为交易形式才能更加安全、有效地运作。目前我国个人信用的法律制度建设,在运行时还存在一些问题,还不能完全满足经济建设和社会发展的需求。只有完善解决,才能让信用体系更好地运行和实施。通过以民商法信用体系原则为切入点,分析个人信用体系的体现和现实意义,以及民商法和个人信用原则在融合中出现的障碍,探讨健全个人信用体系,完善与商法的融合性。

In recent years, with the rapid development of economy and the optimization of social credit system in China, peoplepay more and more attention to their credit status. Personal credit system, as one of the most important part of the state - creditsystem, is the basic factor to explain, prove and examine oneg credit status, and only under perfect credit system and sound lawscan transaction in form of one credit gains effective operation. Now the personal credit legal system construction still has someproblems in the process of enforcement, and can not fully meet the needs of economic construction and social development. Toimplement and enforce our credit system well, we have to seek better solutions. Principles related in civil commercial credit sys-tem can serve as the point of penetration. Based on the civil and commercial law principle, this paper analyzes the manifestationand practical significance of personal credit system, and difficulties in integrating civil and commercial law into personal creditsystem. Finally, suggestions in tackling the problems and improving the system are put forward.