Study On Protect System Of Personal Credit Information In China

Personal credit system is the sum of rule, policy and law in economy living, aiming at providing evidence of personal credit by explaining ,checking and so on, and, to rule people's credit action by series of laws and systems, which in order to prove the development of Market Economy. As a basic factor and character of personal credit, personal credit information is very important in establishment of personal credit system. But, the lack of credit hampered the development of Market Economy, personal credit information cannot be protected perfectly, so the social credit crisis accursed. In order to solve this problem, establish a perfect system of protecting personal credit information is the only way, which ensures personal credit information can be used in reasonable way and legal way, and it also can reduce the profit of economy and bring down the credit risk. There are all together four chapters in this paper.The first chapter is the basic introduction of theories about personal credit information, including credit, personal credit information, and credit system and so on. During the process of using and protecting personal credit information, method of opening information is the key problem. Protecting about rights of agree, checking, etc. that based on personal credit information is very important.Part two is the study on legal system of U.S.A'S personal credit information protecting. U.S.A. is the most active place of the west modern personal consumption, and U.S.A. mode or experience can be said to be the most representative one for reference. Writer compared U.S.A. mode with European mode, hope to find the way of establish the system of protecting personal credit information in our country.The third part is the introduction of the law condition of protecting personal credit information in our country. Writer shows us the problem in law system, credit system, the way of getting information, and internet technology.In the last chapter shows us some major approach to protecting personal credit information. The writer has studied the system of law, relative measurement and mechanism restriction. We should enact a basic law to guarantee its performance; we should establish personal assets register on the basis of the code of social guarantee and the personal basic account system; accelerate the construction of internet; build our personal assess system in order to evaluate the grades of personal credit objectively; cultivate modern credit conception, transit traditional consumption idea; we should establish a personal credit bureau, in charge of the department to collect, analyze and convey personal information data; system of credit risk management ,risk transfer and punishment should be set up in order that problem of asymmetric information and reduce the occurrence of moral risk can be resolved.