基于功能适当的个人破产征信机制回应研究  

Research on Response of Personal Bankruptcy Credit Investigation Mechanism Based on Appropriate Functions

作　　者：吴桐 庄清岚 李悦 Wu Tong;ZHUANG Qinglan;LI Yue(School of Economics and Law,University of Science and Technology Liaoning,Anshan 114051,Liaoning,China;School of Economics and Law,East China University of Political Science and Law,Shanghai 201620,China;School of Economics,Shenzhen Polytechnic,Shenzhen,518055,Guangdong,China)

机构地区：[1]辽宁科技大学经济与法律学院,辽宁鞍山114051 [2]华东政法大学经济法学院,上海201620 [3]深圳职业技术学院经济学院,广东深圳518055

出　　处：《征信》2021年第12期46-54,共9页Credit Reference

基　　金：2021年教育部人文社会科学研究青年基金项目(21YJC820023)。

摘　　要：市场经济既是法治经济也是信用经济。个人破产制度助力“诚实而不幸”的自然人经济再生,有效保障了债务人的基本生存和经济发展权利。合理的自然人征信机制能够持续监督破产债务人,在明确破产资格、划定自由财产和强化失权效力上发挥重要功能。反观个人破产视域下的自然人征信机制,存在信用信息采集范围狭窄、专门信用评价规范缺位、信用评价监督管理乏力等问题。基于实现个人破产制度法律功能的需要,探讨全面收集、合理使用和信用公平的基本原则,扩展个人破产征信信息的采集范围,设置以破产自然人为主体的信用评价机制,构建贯穿个人破产程序的征信信息应用规范,从而提升个人破产信用体系的法律实效。Market economy is both legal economy and credit economy.The personal bankruptcy system helps the"honest and unfortunate"natural person to regenerate economically and effectively protects the debtor’s basic right to survival and economic development.Reasonable natural person credit investigation mechanism can continue to supervise the bankruptcy debtor,and play an important role in defining the bankruptcy qualification,delimiting free property and strengthening the effectiveness of loss of right.On the contrary,the credit investigation mechanism of natural person under the perspective of personal bankruptcy has some problems,such as the narrow scope of credit information collection,the absence of special credit evaluation standards,and the weak supervision and management of credit evaluation.Based on the need to realize the legal function of the personal bankruptcy system,the article explores the basic principles including comprehensive collection,reasonable use and credit fairness.It proposes to expand the scope of personal bankruptcy credit information collection,set up a credit evaluation mechanism with bankrupt natural persons as the subject,establish standards for the application of credit information throughout individual bankruptcy procedures,so as to enhance the legal effectiveness of the personal bankruptcy credit system.

关 键 词：个人破产 征信机制 功能适当 信用体系 信用信息 信用评价 信用公平 

分 类 号：F832.4[经济管理—金融学]