个人破产中信用信息规制法律问题研究

Research on Legal Issues Related to the Regulation of Credit Information in Personal Bankruptcy

个人破产制度是成熟市场经济环境应有的救济退出机制,个人破产信用信息的规制是建立健全个人破产制度中的重要一环。建立个人破产制度是一项系统工程,需要明确其基本功能,并通过良好的规则设计加以实现。个人破产制度中利用“人格减等”等措施对债务人施加一定的限制。信用信息制度是实现个人破产信用内涵与实现“人格减等”的制度工具。互联网时代,无论是加强信息权益的保护还是促进信息资源的有效利用,都需要通过对信息数据的收集、处理及利用过程进行规制而实现。个人破产制度在建设过程中,也必须加强对个人破产信用信息的规制,既要保障破产信息得到合法、合理的使用,也要注重保护信息安全。

Personal bankruptcy system is a relief and withdrawal mechanism in mature market economy environment. The regulation of personal bankruptcy credit information is an important part of establishing and improving personal bankruptcy system. The establishment of personal bankruptcy system is a systematic project, which needs to clarify its basic functions and implement it through good rule design. In the personal bankruptcy system, measures such as “personality reduction” are used to impose certain restrictions on debtors. Credit information system is an institutional tool to realize the connotation of personal bankruptcy credit and realize “personality reduction”. In the Internet era, whether it is to strengthen the protection of information rights and interests or to promote the effective use of information resources, it is necessary to regulate the collection, processing and utilization of information data. In the process of building the personal bankruptcy system, it is necessary to strengthen the regulation of personal bankruptcy credit information, not only to ensure the legal and reasonable use of bankruptcy information, but also to protect information security.