發(fā)布時(shí)間：2018-03-14 16:10

  本文選題：個(gè)人信用　切入點(diǎn)：個(gè)人信用制度　出處：《西南政法大學(xué)》2016年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著信用經(jīng)濟(jì)的發(fā)展,與信貸相關(guān)的行為逐漸增多,需要規(guī)范的地方也就相應(yīng)變多。但我國(guó)關(guān)于信用的規(guī)章制度主要集中于企業(yè)信用,個(gè)人信用方面的規(guī)章制度還比較缺乏,因此本文立足于研究個(gè)人信用制度。在此基礎(chǔ)上,考慮到個(gè)人破產(chǎn)立法的爭(zhēng)論:是否應(yīng)該具備完善的個(gè)人信用制度這一前提,筆者將個(gè)人信用制度與個(gè)人破產(chǎn)兩大熱點(diǎn)相結(jié)合作為對(duì)我國(guó)建立個(gè)人信用制度的必要性分析角度之一。筆者通過(guò)“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”這樣的思路來(lái)展開(kāi)本文。文章第一部分,敘述個(gè)人信用制度的基本理論。首先,分析信用的一般概念與法律概念并分析兩種概念的關(guān)系。信用能進(jìn)行經(jīng)濟(jì)價(jià)值的轉(zhuǎn)換,一般意義的信用是法律層面信用產(chǎn)生與發(fā)展的基礎(chǔ)。其次,通過(guò)對(duì)個(gè)人信用的內(nèi)在含義與價(jià)值的分析,知悉個(gè)人信用的內(nèi)涵與特征。再次,通過(guò)對(duì)個(gè)人信用制度內(nèi)涵與外延的闡釋,清晰了解該制度的含義,其包含個(gè)人信用登記、征信等制度。文章第二部分,論述我國(guó)個(gè)人信用制度的現(xiàn)狀。首先,分析我國(guó)個(gè)人信用制度的現(xiàn)存成績(jī):征信業(yè)管理?xiàng)l例出臺(tái)、個(gè)人信用業(yè)務(wù)發(fā)展、建立社會(huì)信用代碼制度的政策、信用信息交換平臺(tái)以及全國(guó)集中統(tǒng)一的金融信用信息數(shù)據(jù)庫(kù)建成。其次,我國(guó)個(gè)人信用制度存在的問(wèn)題:尚需完善的法律規(guī)制、運(yùn)作不規(guī)范的中介機(jī)構(gòu)、統(tǒng)一標(biāo)準(zhǔn)缺乏的個(gè)人資信評(píng)估等。文章第三部分,闡述個(gè)人信用制度建立存在的必要性。它是信用體系的基礎(chǔ)支撐力量;它利于規(guī)范個(gè)人行為,提高誠(chéng)信意識(shí);它利于信貸消費(fèi)模式的運(yùn)行;它利于個(gè)人破產(chǎn)制度的有效運(yùn)行,對(duì)于破產(chǎn)財(cái)產(chǎn)的確定、破產(chǎn)債務(wù)的確定、破產(chǎn)免責(zé)制度的有效推進(jìn)都有著積極的作用。文章第四部分,建立個(gè)人信用制度的可行條件分析。發(fā)展與進(jìn)步中的信用經(jīng)濟(jì)是其良好的物質(zhì)基礎(chǔ);政策環(huán)境良好;個(gè)人信用中介機(jī)構(gòu)逐步發(fā)展;社會(huì)保障制度的建立,保證了個(gè)人信用制度的建立不會(huì)影響社會(huì)安定。在這些有利條件下,我國(guó)個(gè)人信用制度的建立與完善就會(huì)順利許多。文章第五部分,論述完善個(gè)人信用制度的具體措施。首先明確我國(guó)該制度的運(yùn)行模式--早期的政府主導(dǎo)型,中期的政府與市場(chǎng)結(jié)合型,成熟期的完全市場(chǎng)型;其次是完善該制度的四條主要途徑:健全法律法規(guī)、建立個(gè)人信用檔案登記制度、規(guī)范個(gè)人資信評(píng)估機(jī)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.
【學(xué)位授予單位】：西南政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：D922.29

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本文編號(hào)：1611948