Credit Inquiry Of Personal Rights And Legal Protection Research

Along with the advancement of our country’s market economy system, credit is becoming more and more important. Market-oriented economy is credit economy. Because our country has carried out the reform and opening policy for over thirty years, the social structure and the economic structure of our country has a large change. As a result, the past credit regulations become backward and obsolete.The loss of credit becomes one of the biggest problems our country faces at present. Social credit is the foundation of the development of the economy, and personal credit is the basis of social credit. But the legal system of personal credit is not perfect, the personal relationships become complex and the cheat and the lack of credit exists widely, which form big barriers for the development of China’s socialist market economy and severely affect the development of the whole society. Especially when China enters the WTO, our socialist market economy acts on international conventions in the wider range and higher degree. If our country can’t build a perfect personal credit system, our country will not coordinate with the world economy.The third plenary meeting of the16th CPC central committee discusses that in order to establish the modern market economy system in our country; our country must establish the social credit system, publicize the credit principle and enhance the social awareness of credit, which commits to build personal and business credit system.Later, the development of personal credit system is in the preliminary stage. In the1990s, Shanghai began to implement the first personal credit system. More than1million citizens in Shanghai have the first credit records in China. Through these years, our country establishes the credit information database in2006. But generally personal credit system in China is not perfect. So perfecting the personal credit system in China is necessary.In the process of perfecting our country’s personal credit system, protecting individual rights is also particularly important. Nowadays, there are the invasions of personal privacy in our country everywhere. Therefore, this paper puts forward to perfect our credit system at the angle of protecting individual rights. This paper will be divided into three chapters:The first chapter basically is summarized. We define the meaning of the credit and credit investigation and analyze the protection of the individual credit rights. Personal rights will be defined into the right to know, the right to agree, the right to oppose, the right to correct and the right to delete.The second chapter basically analyses the current situation of protecting the rights. From the first law principle rules, the people’s bank of China law of administrative rules and local prescriptive document on the introduction of the three aspects of China was introduced in the credit inquiry the present legislation to protect individual rights. And then the paper introduces the problems of protecting the individual’s rights and interests. There is the lack of legal systems, the low legal status, the uncertain scope of individual credit information, the uncertain credit regulators and the lack of right remedy systems.The third chapter basically suggests that there is the protection of individual’s rights. This chapter mainly includes five aspects:putting forward suggestions, perfecting relevant laws and regulations, regulating the collection of individual credit information, unifying credit bureaus and defining the rights of the main body and strengthening the supervision of credit activities.