文档介绍：论我国征信法律制度的完善内容摘要中文摘要信用的缺失成为当下建设社会主义市场经济一个严重的现实阻碍,每年因为信用缺失导致巨额的有形社会损失和无形的交易机会的丧失。深思信用的缺失,与我国信用法律制度不完善有关。信用社会的回归,就必须发展我国的征信业,但当下的征信业在很多情况下仅仅是把国外的一套运作方式照抄照搬过来,再照转,有“水土不服”之嫌。因此,在建设社会主义市场经济中,我国必须要以法律的方式规范征信行业的发展,整治混乱的征信市场,形成具有中国特色的征信法律制度。全文共分为三个章节,主要内容如下:第一章是对征信行业作一个总体的概述,对征信行业的特点,征信的作用,征信制度的法律属性的浅显论述。第二章叙述了我国征信行业发展的几个阶段,现有的征信行业的现状,以及存在的问题和制约的因素,指出法律制度的欠缺乃是主要制约征信行业发展的主要原因。第三章对我国存在的征信行业不足之处作了进一步的分析,提出了作者自己建设性的观点和意见。对我国征信行业的模式的选择是政府模式还是市场模式;如何建设征信系统的标准化;对信息保护要对个人隐私和商业秘密保护两难的选择,以及如何平衡两者之间的关系;征信制度需要多方有效监管;征信制度要设立一个守信激励失信惩罚的机制;同时要建立和完善个人破产法律制度。本文提出的对我国征信模式的选择;个人隐私的保护;征信系统的标准化建设监管的方式;怎样建立和完善我国的失信惩戒守信激励;征信行业的自律机制等都有作者自己独到的观点和意见。[关键词]征信信息主体系统标准化法律监管个人隐私论我国征信法律制度的完善内容摘要Abstract The credit deletion es a serious reality hindrance of building a socialism market economy. Every year the credit deletion causes a large amount of visible social loss and invisible transaction opportunity forfeit. I thought deeply that the credit deletion has very deep relations with the unperfect legal system. If wanting to return to the credit society, we must develop our country’s credit investigation industry, but in many situations, our country’s credit invesdtigation is merely copies of a set of operation ways of foreign countres’, and then the copies are used in our country. As the result of this, the situation “ustomed to the climate” emerges. Therefore, in the building socialism market economy, our country must regulate through legal way, the development of credit investigation, renovates chaotic credit investigation market, form a legal systerm of Chinese characteristic in credit investigation. First chapter is an overall outline to credit investigation industry. I made a general analysis to the characteristic of credit investigation industory, the function of credit investigation and the legal attribute of credit investigation system . In the Second chapter, I analyzes the developing course of credit investigation in our country, as well as the problems and restriction factors. I hold that the d