Research On The Protection Of Credit Right In Individual Credit Investigation

Modern market economy is a credit economy;the vigorous development of the market economy is inseparable from the development of credit system.If an individual's credit is not properly evaluated,it will have a serious impact on the social and economic life,such as loans,consumption and employment.Therefore,with the advent of the Internet and the era of big data,through the construction and improvement of personal credit information system,to achieve the protection of personal credit rights of citizens,it is particularly important.The legal system of the protection of the credit right of personal credit in China,there is a serious lack of social integrity?At present,we do not establish a match with the development of credit economy credit legal system of our country,the credit infringement of credit in the field have also occurred,credit status information and using the chaos of inefficiency seriously destroyed the credit environment of market economy.Further improve the legal protection of the right of credit investigates credit,improve the utilization efficiency of credit information,credit enhancement protection concept has practical significance to effectively change the current situation of social credit.Therefore,it is urgent to make a deep research on the legal protection of the credit right of the credit collector.Especially in the current civil legislation does not stipulate the protection of the credit right,resulting in the civil legal relationship between credit investigates and credit institutions is not clear,restricting credit legislation of credit investigates legal protection to further improve.The study was to construct the relevant theory and the legal protection system of the right of credit people,such as the establishment of practical civil,administrative and criminal responsibility mechanism,deepen the individual credit system and the credit theory of right protection,provide theoretical support for legislation and institutional arrangements to protect the right of credit in our country.