论新时代个人信用制度的完善——基于个人破产制度的视角  

On the Improvement of Personal Credit System in the New Era from the Perspective of Personal Bankruptcy System

作　　者：马学荣 Ma Xuerong(Research Center for Bankruptcy Law and Corporate Restructuring,China University of Political Science and Law,Beijing 100088,China)

机构地区：[1]中国政法大学破产法与企业重组研究中心,北京100088

出　　处：《征信》2020年第9期24-29,共6页Credit Reference

摘　　要：个人破产制度是现代信用制度的重要组成部分,个人征信是金融机构信贷、民间借贷、消费行为、教育、税务信息等诸多信息的整合,个人破产制度有助于修复个人信用、信用重建、信用评级,甚至为信用证券化奠定基础。从个人破产制度视角研究新时代个人信用制度的完善,意义在于回应当前个人破产制度实施与完善中存在的制度性障碍,借鉴域外信用制度的有益部分,助力我国经济高质量发展,进一步优化营商环境。Personal bankruptcy system is an important part of modern credit system and personal credit reporting is the integration of Various information such as data concerning financial institute credit, private borrowing, consumer behavior, and taxation, etc. Personal bankruptcy system is conducive to personal credit remedy, credit reconstruction, and credit rating, and can even lay foundation for credit securitization. By analyzing the improvement of personal credit system in the new era from the perspective of personal bankruptcy system, this article aims to respond to the institutional obstacles in the implementation and improvement of personal bankruptcy system, and learn from beneficial parts from foreign credit systems, to promote the high-quality development of Chinas economy and further optimize the environment for businesses operation.

关 键 词：个人破产 个人信用制度 征信 信用社会 

分 类 号：F832.4[经济管理—金融学]