个人信用制度与个人信用立法

Personal Credit System and Personal Credit Legislation

虽然我国的个人信用制度与个人信用立法工作已经取得了一定成绩,但是还是存在如下问题:法律缺位,个人信用业的发展处于盲目之中;个人信用法律的制定思路存在一定偏差;个人信用数据的采集、数据真实性、个人权益保护存在的问题制约着征信业的发展;个人信用中介机构的运作不规范;个人信用管理行业协会尚未建立,行业自律不够,执业规范不统一;政府在个人征信体系建立过程中亟待定位,个人信用环境亟待营造等。只有采取相应对策解决上述问题,我国的个人信用制度与个人信用法制才能健康发展。

Although we have made some success in constructing the personal credit system and personal credit legislation, there are still some problems left to solve; absence of personal credit legislation; deviations of the thinking of credit legislation; some problems in collecting personal credit data, the trueness of data, the protection of a personal rights and interests; none of the association of personal credeit; none of anagement; the function of the state; the environment of person credit, etc. We should take measures to settle these problems to develop the personal credit system and legislation.