个人信用治理的法理反思及其制度安排--基于平台企业共治共享视角

Jurisprudential Reflection on Personal Credit Governance and Its Institutional Arrangement Based on the Perspective of Shared Governance of Platform Enterprises

“信用共享共治”目标的提出表明我国的个人信用治理即将步入全新的数字阶段。对个人信用治理的法律理论反思事关信用治理创新的正当性基础。梳理个人信用治理的演化历程可见,传统的治理手段及其法律规制模式正在从金融领域向其他社会领域迁移。基于平台企业共治共享视角的分析表明,数字技术创新加速了个人信用治理规范体系的结构性调整,数据要素等政策文件的出台进一步推动了个人信用治理规范价值取向的重新校准。当前,个人信用治理规范属性与“信用共享共治”目标之间发生价值断裂。依赖法律规范实现“信用共享共治”目标的制度安排难以完全契合信用的形成规律与立法目的。因此,个人信用治理规范体系急需重建。新规范体系应当遵循数字时代信用治理的运行逻辑,改善信用法律规范的功能定位,在法治指导下重组多种信用治理资源,从而实现从对抗式规制向工具箱式治理的整体升级。

The goal of“credit governance and credit sharing”indicates that China's personal credit governance is about to enter a new digital stage.Reflecting on the legal theory of personal credit governance is crucial to the legitimacy of credit governance innovation.A review of the evolution of personal credit governance shows that traditional governance tools and their legal regulation models are migrating from the financial sector to other social sectors.The analysis based on the perspective of shared governance of platform enterprises shows that digital technology innovation has accelerated the structural adjustment of the normative system of personal credit governance,and the introduction of data element policies and other policies has further promoted the recalibration of the normative value orientation of personal credit governance.Currently,there is a value break between the normative attributes of personal credit governance and the goal of“credit governance and credit sharing”.The institutional arrangement of relying on legal norms to achieve the goal of“credit governance and credit sharing”is unlikely to fully meet the law of credit formation and legislative purpose.Therefore,the normative system of personal credit governance needs to be rebuilt.The new normative system should follow the logic of credit governance in the digital era,improve the functional positioning of credit legal norms,and reorganize multiple credit governance resources under the guidance of the rule of law,so that the overall upgrade from confrontational regulation to toolbox governance can be realized.