信用约束背景下公民公平信贷权的实现——以金融消费者征信权益保护为视角  

Realization of Citizen Rights on Fair Credit againgst the Background of Credit Constraint——From the Perspective of the Credit Reference Rights Protection of Financial Consumers

作　　者：杨家杰[1] 廉龙[1] 时明生[1] 

机构地区：[1]中国人民银行济宁市中心支行,山东济宁272023

出　　处：《征信》2012年第5期49-53,共5页Credit Reference

摘　　要：我国信贷消费市场目前整体来看仍处在供方市场,作为信贷需求一方的金融消费者则相对处于弱势地位。在当前我国征信体系建设处于发展完善期的背景下,由于金融消费者征信权益受损而导致公平信贷权受侵害的情况屡有发生。通过对因金融消费者征信权益受损而影响其信贷权利的原因进行剖析,提出了现阶段提高征信权益保护水平、维护消费者公平信贷权利的对策建议。The consumer credit market in China is generally a seller market, and financial consumers being on the credit demand side are relatively at a disadvantage. During the development and improvement era of the credit refer-ence system construction in China at present, it can quite frequently be seen that fair credit rights are impaired as a result of the damaged interests of financial consumers. Through an analysis on the causes why the credit rights suffer from the damage to the credit reference interests of financial consumers, the paper puts forward some countermeas-ures for improving the credit reference rights protection and safeguarding the consumer rights on fair credit.

关 键 词：公平信贷 金融消费者 征信 权益保护 

分 类 号：DF438.1[政治法律—经济法学]