中美信用法律体系的比较研究

A Study on the Comparison of the United States’ Credit Law and China’s

20世纪 60年代末到 80年代中期 ,美国联邦政府先后出台 17部信用法律 ,从《公平信用法》到《信用修复机构法》 ,形成了一个完备、系统的法律体系。而我国的信用体系建设尚处于初始阶段 ,信用法律更滞后于信用体系的发展 ,内容上极不完整 ,结构上有很大欠缺 ,严重制约着我国信用体系的健全和完善。本文借鉴美国信用法律体系的特点 ,并吸取其他发展中国家信用体系建设的经验 ,指出 ,我国信用法律体系建设应从信用基本法、专门法和相关法律规范三方面入手 。

Abstract There are 17 Acts of Congress about credit on present in the United States, which were issued during the period from 1960s to 1980s and have formed a scientific and completed legal system. But in China the establishment of the credit system is still in the initial stages because The relative statutes are too inadequacy that obstructs its development. Studying on this comparison of the credit laws of the two countries, the author advises that we should make our legal system of credit perfect by legislation on the base laws, the professional laws and the relative statutes.