Research On The Legal Problems Of Consumer Credit Information Sharing

Consumer credit information in the current society under the development of big data,as well as sharing become a normal state and also play its value in the field of information collection.In the context of credit information and the public’s emphasis on credit,the credit information of consumers’ bad consumption behavior which is not recognized by the public in a series of consumption processes has been paid more and more attention in social practice.The research direction of consumer credit information sharing is very few by consulting relevant literature.This paper uses the methods of literature analysis,normative analysis,comparative analysis and empirical analysis,through the overview of consumer credit information sharing,Chinese and foreign Legislation and practice analysis to discuss the current consumer consumer credit information sharing related legislative issues,practice issues,legal liability issues and put forward a series of consumer credit information sharing solutions.The purpose of this study is to study the relevant legislation in the field of consumer credit information sharing and to put forward the deficiency and suggestion.The second is to study the non-standard problem of consumer credit information sharing in practice and put forward the relevant solutions.This paper provides constructive suggestions for the future development of consumer credit information sharing through legislation and practice research.In the aspect of legislation,it is found that the legislation on consumer credit information sharing is not perfect.Lack of unified credit information regulation law and consumer credit information sharing legislation lags behind.Based on the loopholes of existing legislation,this paper proposes the idea of establishing unified credit information regulation law and introducing relevant laws on consumer credit information sharing,which will provide suggestions for future legislation in this field.In practice,the core issues raised promote the construction of consumer credit information sharing standards,such as Improve consumer credit information credit standards and establish a unified consumer credit information sharing standards.To promote the establishment of a unified credit information sharing platform to realize the sharing of credit information systems between credit agencies while promoting credit information sharing within a reasonable range between credit agencies and other institutions.Improve the credit evaluation mechanism of consumer credit information sharing and coordinate the conflicts of interest between relevant subjects.Strengthen the legal protection of consumers’ rights and interests in the field of credit information sharing.In combination with legislation and practice,we should improve the legal responsibility of consumer consumption credit information sharing and make clear the penalty promotion letter for the illegal consequences of consumer consumption credit information sharing related subjects with the efficient and orderly operation of the economic market.To provide maneuverability for the future development of this field,to promote the perfection of the legal system of consumer credit information sharing,and to promote the orderly development of consumer credit market economy.