征信制度法律問題研究.pdf

1、學位論文原創(chuàng)性聲明本人鄭重聲明：所呈交的學位論文是本人在導師指導下進行的研究工作所取得的研究成果。除了文中已經(jīng)注明引用的內(nèi)容外，論文中不包含其他個人或集體已經(jīng)發(fā)表或撰寫過的研究成果。對本文的研究做出重要貢獻的個人和集體，均已在文中以明確方式標明。本聲明的法律后果完全由本人承擔。作者簽名：j些丑趕一日期：7蘇211年j月，3日學位論文授權適用聲明本人完全了解北京工商大學有關保留和使用學位論文的規(guī)定，即：研究生在校攻讀學位期間論文工作的知識

2、產(chǎn)權單位屬北京工商大學。學校有權保留并向國家有關部門或機構送交論文的復印件和電子版，允許學位論文被查閱和借閱；學?？梢怨紝W位論文的全部或部分內(nèi)容，可以采用影印、縮印或其它復制手段保存、匯編學位論文。(保密的學位論文在解密后遵守此規(guī)定)學位論文電子版同意提交后，可于口當年口一年口二年后在學校圖書館網(wǎng)站上發(fā)布，供校內(nèi)師生瀏覽。作者簽名：銎幽趨導師簽名：＆疑≯t年籮A￡j；’AbstractSocialistmarketeconomyhas

3、developedrapidlyinourcountrybutnowthelackofcreditisaseriousimpedimenttotherapiddevelopmentofmarketeconomythelackofcreditwillresultinsubstantialannualdirecteconomiclossesandthelossofalotoftradingopportunitiesThelackofcred

4、ithasalottotheimperfectrelevantlawsofthecreditsysteminChinaThedevelopmentofcreditreportingindustryisthefoundationofsocialcredit，CreditsystemhasbeendevelopedinOurcountrybuttherearemanyimperfections，inparticularthereareman

5、ylawrelatedissuesofcreditsystemTherefore，whenwearebuildingasocialistmarketeconomy，wemustfindalegalwaytegulatethedevelopmentofcreditsystem，perfectlawsofthecreditsystem謝tllChinesecharacteristics，continuetopromotesoundcredi

6、tsystem，andpromotetheprosperityofcreditreportingindustryinOurcountryPaperisdividedintofourchapters，thefollowingkeyelements：Thefirstchapteroutlinesthebasictheoryofcreditsystem，introducestheconceptofcreditsystem，legalchara

7、cteristicsofcreditsystem，brieffunctionofcreditsystemandthedevelopmentofChinascreditsystemsituationChapterIIReviewoflawsofcreditsystemindevelopedcountryThischapterprimarilydescribesthelawsofthecreditsystemintheUnitedState

8、s，F(xiàn)ranceandGermany，andanalyzesthecharacteristicsofthelawsofthecreditsysteminthesecountiesInthechapterthreerepresentativemodelsofcreditsystemindevelopedcountriesandcharacteristicsofthreerepresentativemodelsarebedescribed，

9、andthreedifferentmodelsarebecomparedThet11irdchapteranalyzesthelegalissuesofCreditsysteminOurcountrypointingoutthatthelawofcreditmodelsisnotclearthereisnotenoughlawsonopeningandcollectingthecreditdata，Lawoncreditsystempr

10、ovidesinadequateprotectiontothepeoplewhohastheCreditInformationandcreditinformationsharingmechanismhasnotyetbeenestablished，thecreditratingsystemisimperfect，creditincentivesandpunishmentmechanismiSweakInthefourthchapter，

11、combinedwiththeresultsofrelevantscholars，proposalsareputforwardonmyownwordsforquestionsinthethirdchapter：theestablishmentofthescientificcreditmodeonChina’Snationalconditions，improvingthelawofcreditdatastrengthenthelawonp