Legal Regulation Of Personal Credit Behavior Research

Personal credit investigation carried out the main function is to overcome the moral hazard, adverse selection in market cause by information asymmetry. But with the development of the credit investigation, it also revealed some problems, mainly is that, while the expansion of personal credit investigation, the violations of individual right is also go up. Therefore, we must act on the legal regulation of credit investigation.This article is divided into three chapters.In the first chapter, the author's contention shows that:On the credit behavior of the purpose of legal regulation is to protect individual rights, these rights are mainly the right to privacy. From the difference among different patterns in the protection of individual rights aspect, the author also compares them with their advantages and disadvantages.In the second chapter, the author's contention shows that:Using legal means to regulate credit organization, for this purpose, it must collect personal information limitedly and restrict on the use of personal information, these are two aspects of legal regulation. Meanwhile, the information individual through the exercise of the right to know and the right have some balances capacity to the credit organization.In the third chapter, the author's contention shows that:Current credit legal system is not fully mature in China, because there are only administrative regulations and local administrative rules, lack a national law passed by the legislature. Meanwhile, the pattern of establishment of credit organization in China is not very clear, the author analyzes the pattern that the central bank to establish credit organization.