The Research About The Individual Credit Reporting Legal System In China

Personality of personal credit information of both the legal system, contractual and legal system of the characteristics, is a highly comprehensive new commercial legal system. Personal credit information system is a collection of personal credit and investigation of the legal system, the establishment of individual credit information system integrity who will be rewarded, punished those promises will help encourage people with sincerity. The U.S. has formed a relatively complete legal framework for credit reporting system, "Fair Credit Reporting Act" (FCRA) as the core, including the "Equal Credit Opportunity Act," "Fair Debt Collection Practices Act," "Fair Credit Opportunity Act" and other.Restricting the legal system, inadequate supply of credit information system is established and improved. Construction of an open social credit system, has become the consensus of the community. Credit system is established, depends on the protection of credit information and credit information circulation and use of the specification. However, the extent of credit information on the open, how open are faced with many problems. Credit information system involves the disclosure of credit information and protection of dual credit information privacy requirements, and these two requirements inherent contradictions. How to establish a comprehensive credit information system, and the appropriate disclosure, while avoiding privacy violations, it is our problem to be solved.First, an overview of the legal system of personal credit, personal credit information, including the legal system is civil law, commercial law, criminal law and administrative law, etc. A highly comprehensive legal system, is to adjust the personal credit information and related commercial business activities matters of legal norms. Personal credit information from the meaning and nature of the legal system and the characteristics of personal credit describes the legal content of the legal system. Second, common law countries also adopted the system of personal credit history of the origin and development of a comprehensive understanding of the reasons for personal credit profile of the legal system.Second, the second section of the legislation of personal status and credit problems, but also through the "Shanghai and Shenzhen for the sample analysis" to show local legislative practice and innovation.Third, and finally the third part from inevitability and public credit bureaus credit bureau system and market-oriented system that several aspects of how to build and improve our personal credit information system.