征信法律问题研究---优秀毕业论文 参考文献 可复制黏贴.pdf

学校代码：10207 分 类 号：D92 学 号：4708100123 密 级：内部 硕 士 学 位 论 文 征信法律问题研究 The Research on Credit Legal Issues 学位等级：硕士学位等级：硕士 学科专业：经济法学科专业：经济法 研究方向：宏观调控法研究方向：宏观调控法 姓姓 名：林毅名：林毅 指导教师：周毅指导教师：周毅 副副教授教授 硕士学位类型：学历硕士硕士学位类型：学历硕士 授予单位：授予单位：吉林财经大学吉林财经大学 二 O 一 0 年四月 吉林财经大学 I 原原 创创 性性 声声 明明 本人声明所呈交的学位论文是本人在导师指导下进行的研究工作及取得的研究成果除文中已经注明引用的内容外，本论文不含任何其他个人或集体已经发表或撰写过的研究成果，也不包含为获得吉林财经大学或其他教育机构的学位或证书而使用过的材料对本文的研究做出重要贡献的个人和集体，均已在文中以明确方式标明。

因本学位论文引起的法律结果完全由本人承担 本学位论文成果归吉林财经大学所有 指 导 教 师 签 名： 日期： 学位论文作者签名 ： 日期： 学位论文版权使用授权书学位论文版权使用授权书 本学位论文作者完全了解吉林财经大学有关保留、使用学位论文的规定，有权保留并向国家有关部门或机构送交论文的复印件和磁盘，允许论文被查阅和借阅本人授权吉林财经大学可以将学位论文的全部或部分内容编入有关数据库进行检索，可以采用影印、缩印或扫描等复制手段保存、汇编学位论文 （保密的学位论文在解密后适用本授权书，本论文：□不保密，□保密期限至 年 月止） 指 导 教 师 签 名： 日期： 学位论文作者签名 ： 日期： I 中 文 摘 要 目前我国正处于市场经济转型升级时期，社会信用体系建设还处于起步阶段，还存在许多不完善的地方因此，市场上还存在较多的失信行为，阻碍了信用经济的进一步发展征信是伴随着信用的产生而产生的、伴随着信用经济的发展而发展的目前，我国的现代征信业已经经过了近 20 年的发展，但由于缺乏相应的法律法规的规范，刚刚建立起来的征信业存在着大量的侵权行为。

这不但阻碍了社会信用体系的建设，也不利于金融系统的风险防范，而且也侵犯了各信用主体的利益因此，加快推进我国征信法制建设对于推动社会信用体系建设具有重要的意义 本文采用了比较分析和借鉴的研究方法，对国外征信法律制度进行比较借鉴笔者通过查找国外征信国家的有关信用法制的资料，分析了国外征信立法的目的宗旨及核心内容、国外征信模式、对数据主体权利保护的相关规定，同时从我国的具体国情出发，阐述了我国征信法律制度实践及存在的问题，指出我国征信法制建设滞后是阻碍征信业发展的一大障碍， 进而提出我国征信法制建设在信用信息采集、征信机构运作、信息主体权利保护等方面提出具体构想 文章大体分为四个部分 第一部分是全文的基础,通过分析征信的基本理论,对征信的概念、性质、类型以及功能做了介绍，并在此基础上明确了征信法律制度的概念，分析了征信法律制度形成的几种关系，从而证明了征信法制建设的必要性第二部分介绍了国外征信法制建设的实践,先后介绍了美国、欧洲及日本的征信法制建设情况及特点， 并从征信法律的侧重点等四个方面对国外征信法制建设做了比较借鉴分析第三部分介绍了我国征信法制建设的实践及存在的问题，从简述我国征信业发展历程出发，通过中央和地方两个层面介绍了我国征信法制实践情况，并从我国国情出发提出阻碍我国征信法制建设的主要障碍，进而提出目前我国征信法律制度存在的主要问题。

第四部分是文章的结尾部分，从确定我国征信立法基本原则开始，在考虑现行法律规范及经济政策的条件下，提出构建我国征信法律制度的三个出发点， 并从五个方面分析进一步提出完善我国征信法律制度的具体构想 关键词关键词：：征信 征信机构 征信立法 II Abstract The country is going to upgrade during the transition to market economy, the social credit system is still in its infancy, there are still many imperfections. Therefore, the market still more acts of dishonesty, hindered further economic development credit. Credit is accompanied by the emergence of credit generated, along with the development of credit economy development. At present, the modern credit industry has been nearly 20 years of development, but the lack of relevant laws and regulations of the norms, the credit reporting industry has just been established there are lots of violations. This not only hinders the construction of social credit system, not conducive to the financial system of risk prevention. But also violated the interests of all the main credit. Therefore, speeding up China's credit information and legal system for the promotion of social credit system is of great significance. In this paper, a comparative analysis and draw on research methods, to compare the legal system of foreign credit reference. I find the foreign credit by the State law relating to credit information, analysis of the object and purpose of the legislation of foreign credit and core content, foreign credit model, protection of the rights of data subjects relevant provisions, from China's specific national conditions, set practice of our legal system and credit problems, credit and legal system in China lags behind that is impeding the development of credit industry, a major obstacle. And then make the legal system in China Credit Information in the credit collection, credit institutions operate, the information rights protection and other aspects of the main concrete ideas. Articles divided into four parts. The first part is the basis of the full text, by analyzing the credit of the basic theories of credit concept, nature, type and function have been described, and the basis of a clear concept of the legal system of the credit, a credit analysis of the legal system formed several relationships, which proves the need for credit and legal system. The second part describes the practice of the legal system of foreign credit, has presented the United States, Europe and Japan, the legal system and characteristics of credit and credit law from the four aspects of the focus of the legal system on foreign credit was compared reference analysis. The third section describes the practice of China's legal system and credit problems, credit from III China Development Brief history of starting, central and local levels through the introduction of our credit situation of legal practice, and proceeding from national conditions hinder China's legal construction of the main obstacles to credit and thus raise the current legal system in China Credit Problems. The fourth part is the end of the article, from the basic principles of determining the beginning of China Credit Information legislation, in considering the existing legal norms and economic policy conditions, the proposal of building a legal system of China's three credit starting point, and further from the five aspects of put forward a sound legal system in China Credit Information specific ideas. Keywords: credit, credit agencies, credit le。