论个人信用制度

发布时间：2018-03-14 16:10

本文选题：个人信用　切入点：个人信用制度　出处：《西南政法大学》2016年硕士论文　论文类型：学位论文

【摘要】：随着信用经济的发展,与信贷相关的行为逐渐增多,需要规范的地方也就相应变多。但我国关于信用的规章制度主要集中于企业信用,个人信用方面的规章制度还比较缺乏,因此本文立足于研究个人信用制度。在此基础上,考虑到个人破产立法的争论:是否应该具备完善的个人信用制度这一前提,笔者将个人信用制度与个人破产两大热点相结合作为对我国建立个人信用制度的必要性分析角度之一。笔者通过“制度是什么——建立制度的必要性——建立制度的可行性——制度的完善措施”这样的思路来展开本文。文章第一部分,叙述个人信用制度的基本理论。首先,分析信用的一般概念与法律概念并分析两种概念的关系。信用能进行经济价值的转换,一般意义的信用是法律层面信用产生与发展的基础。其次,通过对个人信用的内在含义与价值的分析,知悉个人信用的内涵与特征。再次,通过对个人信用制度内涵与外延的阐释,清晰了解该制度的含义,其包含个人信用登记、征信等制度。文章第二部分,论述我国个人信用制度的现状。首先,分析我国个人信用制度的现存成绩:征信业管理条例出台、个人信用业务发展、建立社会信用代码制度的政策、信用信息交换平台以及全国集中统一的金融信用信息数据库建成。其次,我国个人信用制度存在的问题:尚需完善的法律规制、运作不规范的中介机构、统一标准缺乏的个人资信评估等。文章第三部分,阐述个人信用制度建立存在的必要性。它是信用体系的基础支撑力量;它利于规范个人行为,提高诚信意识;它利于信贷消费模式的运行;它利于个人破产制度的有效运行,对于破产财产的确定、破产债务的确定、破产免责制度的有效推进都有着积极的作用。文章第四部分,建立个人信用制度的可行条件分析。发展与进步中的信用经济是其良好的物质基础;政策环境良好;个人信用中介机构逐步发展;社会保障制度的建立,保证了个人信用制度的建立不会影响社会安定。在这些有利条件下,我国个人信用制度的建立与完善就会顺利许多。文章第五部分,论述完善个人信用制度的具体措施。首先明确我国该制度的运行模式--早期的政府主导型,中期的政府与市场结合型,成熟期的完全市场型;其次是完善该制度的四条主要途径:健全法律法规、建立个人信用档案登记制度、规范个人资信评估机制、完善配套制度。
[Abstract]:With the development of credit economy, the behavior related to credit is gradually increasing, and there are more places that need to be standardized. However, the rules and regulations on credit in our country are mainly concentrated on the credit of enterprises, and the rules and regulations on personal credit are still relatively lacking. Therefore, this paper is based on the study of personal credit system. On this basis, considering the controversy of personal bankruptcy legislation: whether there should be a perfect personal credit system this premise, The author combines the personal credit system with the personal bankruptcy as one of the angles of analyzing the necessity of establishing the personal credit system in China. Feasibility-the perfect measures of the system "to carry out this article. The first part of the article, The basic theory of personal credit system is described. Firstly, the general concept of credit and the concept of law are analyzed, and the relationship between the two concepts is analyzed. Credit in general sense is the foundation of the emergence and development of credit in legal level. Secondly, through the analysis of the inherent meaning and value of personal credit, we know the connotation and characteristics of personal credit. Through the explanation of the connotation and extension of personal credit system, we can clearly understand the meaning of this system, which includes personal credit registration, credit investigation and so on. The second part of the article discusses the present situation of personal credit system in our country. This paper analyzes the existing achievements of personal credit system in China: the introduction of regulations on the administration of credit information industry, the development of personal credit business, the policy of establishing social credit code system, The credit information exchange platform and the national centralized and unified financial credit information database have been built. Secondly, the problems existing in the personal credit system of our country: still need perfect legal regulation, non-standard operation of intermediary organizations, The third part of the article expounds the necessity of the establishment and existence of personal credit system, which is the basic supporting force of the credit system, which is conducive to standardizing individual behavior and raising the consciousness of honesty and credit. It is beneficial to the operation of credit consumption mode, to the effective operation of personal bankruptcy system, to the determination of bankruptcy property, to the determination of bankruptcy debt, and to the effective promotion of bankruptcy exemption system. Analysis of the feasible conditions for establishing personal Credit system. The credit economy in the course of development and progress is its good material foundation; the policy environment is good; the personal credit intermediary organizations are developing step by step; the establishment of the social security system, the establishment of the social security system, It ensures that the establishment of personal credit system will not affect social stability. Under these favorable conditions, the establishment and improvement of personal credit system in China will be much smoother. Part 5th of the article, This paper discusses the concrete measures to perfect the personal credit system. Firstly, it is clear that the operating mode of this system in our country is the early government-oriented type, the intermediate stage of combining the government with the market, and the mature stage of the complete market type. Secondly, there are four main ways to perfect the system: perfect laws and regulations, establish the registration system of personal credit file, standardize the evaluation mechanism of personal credit, and perfect the supporting system.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.29

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