Researching On Protection To Individual Rights Of Credit Checking

Credit system could restrain the economic behavior of enterprises and individuals, prompted the formation of the concept of good faith and a good social credit environment. China will gradually transform into a mature state credit.With the development of credit economy, China has established preliminary credit with Chinese characteristics database currently and start to provide services to the whole society with Chinese characteristics and the formation of a financial credit model. Vigorously promote the social credit system, personal credit system is the foundation of social credit system, and personal information protection is the existence and prerequisite development of social credit system. Personal credit information is collected and used improper frequently, greatly restricted the development of credit industry. We should pay attention to the conflict between the public interest and private interest and handle the conflict. Credit institutions hold a lot of personal credit information. If personal credit information could not be properly managed, used and open, easily lead to abuse of personal information leaks and damage of personal rights and interests.This paper describes the basic theory of credit system based on the use of comparison and summary of research methods, the objective described the development of China Credit Information protection of individual rights and interests of the inadequacies of and mature by comparison of the relevant legislation and the characteristics of foreign and learn and get inspiration, put forward in perfecting Credit Reporting protection of personal rights and interests of relevant recommendations.The first chapter is part of the basic theory, introduces the meaning of credit and credit information, credit information system, the origin and development of credit system in China to establish the legislative value and credit activities in the importance of protecting individual rights.The second chapter describes the development of credit system in China. Through the introduction of legislation around the credit status, revealed China's current activities in the credit shortcomings, including lack of legislation, the contents of the credit is not defined clearly, credit institutions in the credit process did not properly discharge this obligation, and In the credit bad credit history database systems save time processes.The third part is the establishment of mature foreign credit system introduced national legislation. First is to introduce the United States, European Union, Japan and other countries and regions, the protection of personal interests and characteristics of credit legislation, and thus leads to the reference to China and Implications. China could learn a more mature and comprehensive legislation and experience, according to China's national conditions and selection of appropriate legislation to protect individual rights and the strengthening of credit activities, protection of the rights of individuals.This last chapter is a credit system in China's interest in protecting individuals related legislative proposals. First is to improve credit and credit related legal provisions and other relevant supporting legal system, followed by the standard personal credit information collection and use, re-establishment of individual rights in the credit information system activities, the final levy is to strengthen letter in the regulatory and industry self-discipline, a clear legal responsibility of credit institutions.