Study Of The Legal Regulation Of Personal Credit Institutions

Credit is basis of the market economy, a foundation of the marketing and the basic assurance of the market orders. The personal credit has already been a "second ID Card" of an personal in the society of the market economy. In the further improvement of our country's socialist market economy system, the lack of the personal credit has hindered the economic and development of our country, so the every field in our country needs the personal credit service ulgently. As enterprise legal person who provides credit selvice credit agency has positive influence on promoting the enlargement of the scale of credit trade and the rapid development of Nation Economy on the one hand, and on the orher hand, it also has negative character which shows as unfair competition and pursuit of personal profits at the cost of indifference to the others'private right. So we need guide credit agency to compete fairly and rade legally by law regulation.This article is made up of six parts. Firstly, the relevance general situation collecting message has carried out this gentle purpose having described, and pointing out writing on our country personal credit agency: Based on the current situation of the personal credit agency of our country, the current situation of the especially legal regulation in terms of law science, regard organization's legal regulation of foreign countries reference as, consult and draw lessons from, how with complete legal norm does it discuss and supervise personal credit agency business behavior of organization, coordinate personal private protection and conflict that information disclose of right.The second part of this article has analysed the cunent situation of our country personal credit, has brought forward the necessity developing personal credit agency then, from analysing our country personal credit agency current situation, bringing forward the necessity that the gauge carting out a law on personal credit agency makes.The third part of the thesis pass to foreign countries personal credit investigation agecy mode selection and law regulation of structure of organization, analyze the similarities and differences of the law regulation from collection of the data, data use and respect of consumer's right, under two kinds of different modes, obtain the beneficial enlightenment of organization's law regulation of personal credit agency of our country, have offered reference for organization's law regulation of the personal credit agency and drawn lessons from.As just to "reference country" country that march towards, personal credit policy environment of institutional improvement of our country take shape, personal credit assess business launch progressively. But there are a lot of difficulties faced, current situation allows of no optimist. In fact, present of our country credit investigation system develop slowly and all sorts of question and of our country credit investigation relevant law lagging of construction come out to expose have some relations in development. The lack of law, especially the lack of specific division of personal privacy, leads to the threaten of personal legal rights and meanwhile restricts and prevents the development of personal credit agency in our country. The fourth part of the thesis considers the current condition of the law regulation on personal credit agency, which provides realistic basis to the perfection of law regulation on personal credit agency.Because our country has not issued a part of laws and regulations that specially direct against the personal credit agency by the present stage, issue any other law carry on structure and rights and interests in consumers protect to reference every concrete business of credit agency specially either, so construct relevant legal systems, the focal point that the personal credit agency of our country of the structure is studied by this text. The fifth part of the thesis brings forward concrete countermeasures to the market admittance, the scope of business, the collection and disclosure of credit investigation, the obligation and the liability, the industry management, etc.The article has assumed a brief summary finally, has appealed for once again of structuring our country'law system of credit investigation and perfectng the law regulation of personal credit engency, has restrained and has standardized by the fact that legislation pair of our countries personal credit investigation engency is in progress, the ego who brings "tangible that hand" and "intangible that hand" double adjustment effect, the messenger personal credit engency macro-control in the country and marketplace into play develops vigorously under adjustment.