The Protection Of Individual Credit Right In The Individual Credit Checking System

In 2008,the world suffered a financial crisis. One of the reasons was Subprime Crisis and somebody called it credit crisis. In 2001,the college entrance examination of china had the credit the theme of the composition in the literacy test. The child in a boat which had too many loads in it must throw out something into the sea so as to keep the boat float. There were money, wisdom, integrity and so on in the boat. And the child threw out the integrity. Not only in the other countries, but also in our country, the honesty crisis or the credit crisis is serious, and this is provoking. In 2002, in the Personality plait of the Civil Code Draft, the credit right was written in the law. Thus it can be seen, the credit not only exists in the ethics and the economic field but also in the law. We need to study it from the point of law and make it a right, written in the law and a system so as to promote the economic development and moral standard. As the credit right and the credit checking system are both comprehensive concepts, we just study the individual credit right and the individual credit checking system in order to give some constructive suggestions.The thesis has been divided into five parts.The chapter one is the introduction of the credit which is the object of the credit right. What on earth is the meaning of the credit? What is the difference between the law field and the field of economy and ethics. And what is the relationship? The chapter two talks about individual credit right on the basis of credit. As the civil law is the private law, the study of the individual credit right has the positive meaning. The protection of the individual right is motivation of the society. This part also compares the right of reputation and the individual credit right.In chapter three, on the basis of the individual credit right, I write about the relations between the credit checking and credit on the premise of the practice of credit checking system in credit country and my own country. As a economic system, credit checking system is in the field of economic law or public law. Its relations and checks and balance with the individual credit right. This part also analyses the relations between private right and individual credit right.In chapter four, on the basis of chapter three, through a tort case about individual in the practice of individual credit checking and the study of Tort Law, I write about the protection of the individual credit right. And I also write about the protection of the credit right in the present legal system.Chapter 5 is the last part. On the theory of the consistency of rights and obligations, I write about the necessity of the setting up of the credit right. The credit right should be a specific right and is demand of the social development and to the benefit of the construction of our credit system. This part also talks about the development of the individual checking system in association with the individual credit right and also talks about the instruction of individual credit checking system and discipline against faith breaking and the system of individual bankruptcy and so on. And this part is from another point of view to promote the construction of our credit system in order to do it from multidisciplinary.