Personal Credit Information, The Main Guarantee Of The Rights Research

The modern market economy is credit economy based on the legal system,andcredit is one of the most important and necessary parts of the market economy, the sameas personal credit is also an important part in credit system. At present in china however,the credit system is not yet perfect, so there arise many new problems in the course ofthe development of the credit industry on personal information rights violations causedby improper information collection and use. So how to protect the personal interests ofcredit information and to seek the best balance between credit information industry andthe protection of individual rights, and how to balance the conflict between the privateinterests and public interests, is a critical problem in the course of establishing personalcredit system.This paper begins from definitions related credit and from personal interestsprotection status, and then research and summary risk points and problems now facedin china about personal interests protection of credit information. Based on the status inchina, this paper gives reference to foreign country. The last part think our counteyshould as soon as possible improve legislation of personal credit system, and strengthengovernment regulation and supervision, and perfect industry association construction, soas to protection personal interests of credit information.