论个人信用权的保护

个人信用权属于民事主体人格权,是指个人对自身的信用表现获得客观、公正评价并因此得到公正信用待遇的权利。信用于个人、信用经济于社会的重要意义以及个人信用利益所受的现实侵犯,要求法律为信用权提供有力保护。确立信用权的独立人格权地位、完善征信法律制度,以及健全侵害信用权的民事救济措施,是改善信用权法制环境的三个重要环节。

Research on the Protection of Individual Credit Right

As a kind of personal right,individual credit right means requiring accurate evaluation on one's credit transactions performance and thus obtaining respondent offer of credit.Law should provide strong protection for credit right not only because of the great importance of credit and the credit economy to both the person and society but also the various dangers it has been suffered.It is necessary to establish the independent status of credit right,perfect consumer reporting mechanism and develop an elaborat...