论个人信用权

关于个人信用权的争议由来已久,个人信用权的权利主体、客体及内容具体清晰,个人信用权与名誉权、个人信息权、隐私权、人格商品化权都有很大的不同,应当为一项独立的民事权利且为人格权。《民法典》提出的个人信用查询权、异议权以及更正删除权是对信用利益保护的一大进步,但对因侵害个人信用权导致的财产利益损失保护不足,应通过司法解释界定财产损失的范围,使个人信用权益得到更加全面的保护。

On Personal Credit Rights

Dispute about personal credit rights has existed for a long time.The subject,object,and content of personal credit rights are specific and clear,and personal credit rights diverge sharply from reputation rights,personal information rights,privacy rights,and personality commercialization rights.Thus,personal credit rights should be independent civil rights as well as personality rights.The personal credit inquiry rights,objection rights,correction and deletion rights proposed in the Civil Code are a major advance in protection of credit rights.However,there is lack of enough safeguard against the loss of property interests caused by infringement on personal credit rights.The scope of property loss should by defined through judicial interpretation to make sure that personal credit rights get comprehensive protection.