征信制度法律問(wèn)題研究.pdf

1、學(xué)位論文原創(chuàng)性聲明本人鄭重聲明：所呈交的學(xué)位論文是本人在導(dǎo)師指導(dǎo)下進(jìn)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(gè)人或集體已經(jīng)發(fā)表或撰寫(xiě)過(guò)的研究成果。對(duì)本文的研究做出重要貢獻(xiàn)的個(gè)人和集體，均已在文中以明確方式標(biāo)明。本聲明的法律后果完全由本人承擔(dān)。作者簽名：j些丑趕一日期：7蘇211年j月，3日學(xué)位論文授權(quán)適用聲明本人完全了解北京工商大學(xué)有關(guān)保留和使用學(xué)位論文的規(guī)定，即：研究生在校攻讀學(xué)位期間論文工作的知識(shí)

2、產(chǎn)權(quán)單位屬北京工商大學(xué)。學(xué)校有權(quán)保留并向國(guó)家有關(guān)部門或機(jī)構(gòu)送交論文的復(fù)印件和電子版，允許學(xué)位論文被查閱和借閱；學(xué)校可以公布學(xué)位論文的全部或部分內(nèi)容，可以采用影印、縮印或其它復(fù)制手段保存、匯編學(xué)位論文。(保密的學(xué)位論文在解密后遵守此規(guī)定)學(xué)位論文電子版同意提交后，可于口當(dāng)年口一年口二年后在學(xué)校圖書(shū)館網(wǎng)站上發(fā)布，供校內(nèi)師生瀏覽。作者簽名：銎幽趨導(dǎo)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