个人征信行为法律规制研究-法律学专业论文.docxVIP

中文摘要开展个人信用征信的主要功能是克服金融交易中因为信息不对称所带来的 中文摘要 开展个人信用征信的主要功能是克服金融交易中因为信息不对称所带来的 道德风险和市场的逆向选择问题，进而规范经济活动中的个人行为。但随着个人 信用征信行为的发展，也暴露了一些问题，主要表现在功能扩张后的个人征信组 织对个人信息的侵犯。因此，必须对征信行为进行法律规制。 文章共分为三章。 笔者在第一章中分析认为：对征信行为进行法律规制的目的，就是保护那些 在征信行为中容易被侵犯的权利，这些权利主要是隐私权。对不同征信模式中个 人权利的保护问题，笔者对它们也进行了比较，各自分析了其优点和缺点。 笔者在第二章中分析认为：用法律手段来规制征信机构的征信行为，必须从 个人信息的收集限制和个人信息的使用限制两个方面进行规制。同时，信息主体 通过行使知情权和异议权，对征信机构也有一定的制衡能力。 笔者在第三章中分析认为：我国目前征信法律体系尚不完全成熟，从立法 层级上看，目前只有行政法规和地方性行政规章，缺乏立法机构通过的全国性法 律。同时，我国的征信机构设立模式尚不十分明确，笔者分析后认为，以中央银 行设立征信机构的模式比较具有借鉴价值。 关键词：征信法律规制隐私权 中图分类号：D922．28 AbstractPersonal Abstract Personal credit investigation carried out the main function is to overcome the moral hazard， adverse selection in market cause by information asymmetry． But with the deVelopment of the credit investigation， it also revealed some problems，mainly i s that，whi 1e the expansion of personal credit investigation， the Violations of indiVidual right is also go up． Therefore， we must act on the legal regulation of credit investigation． This article is divided into three chapters． In the first chapter， the author’ s contention shows that： On the credit behavior of the purpose of legal regulation is to protect individual rights，these rights are mainly the right to privacy．From the difference among different patterns in the protection of individual rights aspect， the author also compares them with their advantages and di sadvantages． In the second chapter，the author’ s content ion shows that：Us i ng 1 egal means to regulate credit organization， for this purpose， it must c011ect personal information limitedly and restrict on the use of personal information， these are two aspects of 1egal regulation． Meanwhile， the information individual through the exercise of the right to know and the right have some balances capacity to the credit organization． In the third chapter， the author’ s contention shows that：Current credit legal system is not fully mature in China， because there are only administrative regulations and local admin