Research On Natural Person Credit Repair System

As a social management tool with credit as the core,the natural person credit restoration system inherits the “blacklist” and other joint disciplinary punishment systems,and then rebuilds the credit of the credit subject.It is the “key” to unlock the disciplinary lock of the dishonest subject.The inevitable requirement of the ex post supervision mechanism is an important mechanism for the construction of a social credit system.However,the current imbalance in the development of China's social credit system is prominent,especially the continuous and in-depth development of the credit punishment system,which has led to an imbalance between the credit punishment system and the credit repair system,which has produced a certain “lag” effect on the development of the governance of credit.Moreover,the problems of the system's low operability,repair of formalism,and conflicts of laws,which are exposed in practice by natural person credit repair systems,have also plunged the natural person credit repair system into a crisis of rationality and effectiveness.Therefore,this article attempts to enrich the theory of natural person credit repair system,build a perfect frame of natural person credit repair system,and design the perfect content of natural person credit repair system,so as to balance our country's credit punishment system and credit repair system,and resolve the natural person credit repair system in practice.The crisis of formalism has improved its effectiveness and rationality.With this as the main line,through the perspective of economic law,the research on China's natural person credit repair system is gradually progressed in order to advance China's natural person credit repair system to correctly enter the rule of law track,improve the socialist credit system with Chinese characteristics,and give play to the value of natural person credit repair system.The first part is based on the current legislation and theory of China's natural person credit restoration system,focusing on clarifying the concept of natural person credit restoration system,clarifying the boundary of natural person credit restoration system,establishing the research direction of this article,and analyzing the characteristics of natural person credit restoration and the legal,economic,and Interpretation of the three-dimensional value of the society,building a theoretical framework for credit restoration of natural persons;in order to study the credit restoration system of China in a targeted manner,starting from the second part,taking the domestic system as the perspective,and standardizing the analysis of the contents of the existing credit restoration system of natural persons in China,And summarize the main content into five aspects: repair conditions,methods,procedures,situations,and supervision mechanisms;the third part is based on the previous part,starting from the actual situation,starting to discuss the existence of China's natural person credit repair system,pointing out China's natural person credit restoration system has the problems of low legislative rank,incomplete entity processing mechanism,non-standard procedural system,and lack of supervision mechanism.The above problems are detailed and analyzed in depth;the last part is the comparative analysis method.,testing Mature foreign systems and related experience in the field,to put forward specific improvement path in both macro and micro ideas suggested by the design of the system to strengthen the positive externalities credit repair system with a view to the natural person credit repair system into the legal track.From the macro perspective,it is mainly to clarify the government-led credit repair model and to determine the four principles of unification and efficiency,the principle of efficiency,the principle of disclosure of restoration information,and the principle of public interest priority.From the micro perspective,it is mainly to improve the credit restoration of natural persons.The forth dimensions of the legislative system of the system,improving the processing mechanism of natural person credit restoration entities,standardizing the operation procedures of natural person credit restoration,and improving the legal supervision mechanism of natural person credit restoration.