Personal Credit Date Legal Regulating Research

ABSTRACT:Honesty is a basic principles of social life, but also the premise of rapid development of market economy. To safeguard the socialist market economy orderly and efficiently run, need to establish a set of complete personal credit system. The establishment of a set of system, law plays an important position. This article studies the significance is to perfect the legal regulation of credit data in personal credit in China to provide the reference. This article from six aspects to address the issue of personal credit legal regulating credit data. First of all, stated the concept and characteristics of personal credit inquiry as well as the concept and characters of the individual credit data, and respectively from the angles of economics and law to discuss the theoretical basis of the article. Secondly, cited two main legislative models in today’s world of personal credit, that balance the protection of the United States and the European continent legislative model legislation strictly protected mode. Personal credit data mainly involved problems include:personal credit data collection and use of the rights of the legal regulation and case law regulation. Again, it is pointed out that China’s current personal credit registry data there some problems in the legal regulation and insufficient credit. Finally, this paper puts forward perfect personal credit rating credit data to the suggestion of the legal regulation...