Legal Construction Of Natural Person Credit Administration

Since the beginning of the 21st century,the State Council has regulated credit management through relevant regulatory documents and departmental regulations.As the central government attaches more and more importance to the construction of the credit system,local governments at all levels have begun to formulate and issue corresponding credit management regulations.Conduct credit management on the collection and disclosure of credit information of natural persons and other civil subjects,the definition and response of credit ratings,credit objections and remedies,and credit repair,etc.Model,and then promote institutional functions such as governance system optimization.Due to the lack of corresponding higher-level laws,credit management of natural persons should follow the basic principles of administrative law such as respect and protection of human rights,principles of legitimacy,principles of reasonableness,and principles of due process,to avoid legalizing moral issues.Under the current lack of credit laws,mainly local regulations and local government regulations,credit management has insufficient rationality,imperfect procedures and generalized credit,and defects in credit management tools have led to violations of citizens ’basic rights.Natural person credit management must strengthen the system construction,improve the relevant legislation as soon as possible,raise the level of credit law,conduct a constitutional review of the current local laws and regulations,and engage in the three processes of pre-,mid-and post-event protection of citizens Credit rights make credit management conform to the basic requirements of the administrative law,to protect the basic rights of citizens,to regulate the administrative management behavior of administrative organs,and to make credit management meet the requirements of the rule of law.