征信制度若干法律问题研究

发布时间：2018-04-13 10:51

本文选题：征信基本原则 + 征信体系　；参考：《广西大学》2016年硕士论文

【摘要】：征信制度作为一项重要的金融基础设施,是金融市场平稳运行和社会经济发展的重要保障。相较于世界征信行业发达国家,我国当前正处于征信市场的初创阶段,不仅行业结构和监管构架尚未明晰,而且有关征信活动的各项法律制度尚在摸索探究阶段。随着一批刺激经济以及发展金融的政策出台,目前我国信贷需求呈井喷式发展,但由于作为一切金融活动基础的征信制度尚不健全,导致了当前出现许多类似互联网金融平台非法集资、信用卡恶意透支、中小微企业融资成本过高等问题频发,严重制约了我国金融行业和经济的健康发展。因此,本文从征信制度构建的若干法律问题出发,提出建立适合当前国情的征信法律制度和征信行业模式,首先应当将征信制度的基本原则法定化,并提出审慎性原则和服务于普惠金融的原则作为现行制度的补充；其次,深入对比研究当前国外市场的主流征信行业模式,归纳出各国征信体系的差异和共性,以及发掘值得我国借鉴的优秀制度；然后,作为征信行业的制度基础和技术基础,本文第三章节就加快征信标准化的立法进程这一问题进行了深入探讨,提出加快征信行为标准化和信息数据标准化的建议；最后,综合上述内容,为我国征信行业模式选择和立法方向提出建议,其中包含明确政府职能、实现公共信息互通共享等内容,以期为我国征信制度的建设提供借鉴。
[Abstract]:The credit system is an important part of the financial infrastructure is an important guarantee for the smooth operation of the financial market and the development of social economy. Compared to the credit industry in developed countries, our country is in the initial stage of the current credit market, not only the structure of the industry and the regulatory framework has not yet clear, but the legal system related to the activities of credit is still groping on stage. With a number of stimulating the economy and the development of financial policies, China's demand for credit is the development of blowout, but because as all financial activities based on the credit system is not perfect, leading to the emergence of many similar Internet financial platform for illegal fund-raising, malicious overdraft credit card, small micro enterprise financing costs are too high frequent problems, has seriously hampered the healthy development of China's financial industry and economy. Therefore, this article from the credit system construction of some legal problems, The paper put forward the current situation of the legal system of credit checking and credit industry mode, should be the basic principles of legal credit system, and put forward the principle of prudence and serve as a supplement to the principle of inclusive financial system; secondly, in-depth comparative study abroad market mainstream credit industry mode, summed up the differences and similarities of the credit system the rest of the world, and to explore the best system worthy of our reference; then, as the institutional and technical basis of the credit industry, the third chapter will accelerate the legislative process of Credit Standardization of this problem are discussed, put forward to speed up the credit behavior standardization and information data standardization; finally, the above contents. Provide suggestions for mode selection of the credit industry and the legislative direction, including defining government functions, realize the sharing of information exchange in public In order to provide reference for the construction of the credit system in China.

【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28

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