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现代市场经济本质上属于信用经济,而我国在经济改革取得显著成果的同时,市场上却出现了大量的信用缺失现象,严重地影响了我国经济发展以及和谐社会的构建。因此,加快信用立法,建立征信法律关系成为当务之急。制定我国信用法律要充分借鉴国外先进的立法经验,重点解决信用权及侵权责任界定,信用信息中对个人隐私及商业秘密的界定,规范信用征信法律关系等问题。
Modern market economy is essentially a credit economy. While China has made remarkable achievements in economic reform, there have been a lot of credit shortages in the market, which have seriously affected the economic development and the building of a harmonious society in our country. Therefore, accelerating the credit legislation and establishing the legal relation of credit investigation become urgent tasks. The formulation of China’s credit law should fully draw on foreign advanced legislative experience, focusing on resolving the definition of credit and tort liability, the definition of personal privacy and commercial secrets in credit information, and regulating the legal relationship of credit information.