摘要
信用是关于社会主体经济能力以及履约意愿方面的社会评价,在现代社会征信体系背景下,征信机构的信用评价具有了决定性意义。个人征信体系下的个人信用权也表现出一系列的特点:对于信用权的侵害主要表现为个人信用信息的报送、收集、处理的不准确;信用权的内容更多地体现为个人对信用信息的查询、告知,以及更正、删除错误信息的权利;信用权的保护中,举证责任应当倒置,机会损失应当尽量赔偿,过错标准要客观化。除民法典人格权编整体规定信用权外,在征信单行法中应当对个人征信体系下的信用权作出一些特殊规定。
Credit is a comprehensive evaluation of the objective performance capacity and the subjective performance vir- tue. In the modern credit reporting system, evaluations made by credit agencies have decisive meanings. The violation of credit right refers to incorrect reporting, collecting and processing of individual credit information. The contents of credit right mainly contains individual＇s right of inquiring information, being informed, as well as correcting and deleting erroneous information. To protect credit right, the credit bureau should bear the burden of proofing and compensating opportunity loss. While there is credit right in civil code, some special regulations on credit right should be provided in individual credit reporting law.
出处
《浙江工商大学学报》
CSSCI
2014年第1期58-64,共7页
Journal of Zhejiang Gongshang University
基金
苏州大学211青年教师后期资助项目"信息主体控制下的流转:个人信息交易法律制度研究"阶段成果
关键词
个人征信
信用信息
信用权
individual credit reporting system
credit information
credit right
