论我国个人信用报告制度的构建

个人信用信息的非对称已成为制约我国消费信贷发展的“瓶颈”,建立我国的个人信用报告制度已势在必行,但个人信用报告与公民隐私权联系紧密,给个人信用报告制度的建立造成了很大障碍。从个人信用报告制度建立的必要性入手,从确保信用情报担保功能真实原则、确保公民隐私权不受侵害原则两个基本原则方面论述了个人信用报告制度的构建。

On the Establishment of China''''s Personal Credit Reporting System

The information unsymmetry in consumption credit restricts development of consumption credit, and it appears extremely necessary to establish consumption credit reporting system, but it is related to the right of privacy that sets it back.. This article starts with the necessity of establishing consumption credit reporting system, and then discusses how to establish consumption credit reporting system by two fundamentals, namely to ensure credit information dependable warrant function and to ensure the right of privacy without trespass.