多元化信用服务市场发展与信息主体权益保护的权衡——美国信用修复市场监管的矛盾与启示

Balance between Development of Diversified Credit Service Market and Protection of the Rights and Interests of Information Subject——Contradiction for USA Credit Repair Market Regulation and Its Enlightenment

介绍美国多元化的信用服务市场,分析其信用修复市场的监管框架及对信用服务市场的影响,认为应借鉴美国经验,坚持发展与监管并重,秉持问题导向,探索构建信用修复监管体制,同时以信息主体合法权益保护为出发点,权衡发展与监管的冲突,强化教育警示。

This paper introduces the diversified credit service market in the USA,analyzes its credit repair market regulatory framework and the impact on the credit service market. It＇s believed that we should use for reference the experience of the United States,adhere to ＂laying equal stress on development and regulation＂,uphold problem orientation,explore the construction of credit repair regulation system. We should also balance the conflict between development and regulation and strengthen education warning function by starting from legal rights and interests protection against information subject.