信用修复地方立法研究

Research on Local Legislation of Credit Repair

中国信用修复制度构建的重要方式表现为相关领域的地方立法,各地立法实践主要从信用修复实施效果、信用修复条件及限制、信用修复程序三个方面进行规范。由于信用修复概念的模糊与全国性立法的缺失,地方立法存在着信用修复效果迥异、自然人主体权益保护不足、诚信约谈与第三方信用修复机构地位规定不明、信用修复程序规定模糊等问题。在社会信用法律体系构建的背景下,中国信用修复制度应当与失信惩戒制度相协调,力求实现信用修复地方立法与制度构建的长效性与救济价值。

At present,the relevant legislation for the construction of China's credit repair system is reflected in the practice of local legislation,which is regulated from the aspects of credit repair implementation effect,credit repair conditions and restrictions,and credit repair procedures.Due to the ambiguity of the concept of credit repair and the lack of national legislation,problems are found with the effects of credit repair,the insufficient protection of natural persons,the ambiguity status of credit repair organizations,and the vague procedures.In the context of the construction of a social credit legal system,the construction of China's credit repair system should be coordinated with the dishonesty punishment system so as to achieve the long-term effectiveness of credit repair construction and its relief value.