征信活动中的个人权益保护:制度构想及环节再现  

Individual Rights Protection during Credit Reference Activities:Institutional Conception and Procedural Reproduction

作　　者：张若鹏[1] 姜天怡[1] 李连凯[2] 

机构地区：[1]中国人民银行哈尔滨中心支行,黑龙江哈尔滨150036 [2]中国人民银行齐齐哈尔市中心支行,黑龙江齐齐哈尔161000

出　　处：《征信》2010年第4期30-33,共4页Credit Reference

摘　　要：从制度层面研究我国个人信用征信权益保护的立法现状以及现行立法的缺陷,结合我国具体国情,借鉴国外立法,认为应合理界定个人信用征信的范围,建立多层次的信用主体权益保障和救助机制,并在征信活动各环节中体现个人权益保护精神等,以建立和完善我国个人信用征信权益保护制度。From the institutional perspective,studying the legislative status of individual credit information rights protection and the shortcomings of existing legislation in China,combining with China＇s specific national conditions,taking foreign legislation as reference,the paper holds that it＇s necessary to define the reasonable scope of individual credit information,to establish multi-level credit information part rights protection and assistance mechanisms with a representation of protection spirit for individual rights in various steps during credit information activities so as to establish and perfect the individual credit information rights protection system in China.

关 键 词：征信体系 征信环节 个人权益保护 

分 类 号：F830.5[经济管理—金融学] D922.28[政治法律—经济法学]