【摘要】 个人信用征信是解决我国目前信用缺位、维护市场经济秩序的有力手段。我国加入WTO的服务贸易特定义务承诺对国内个人信用征信业的长远发展产生了较为不利的影响 :由于我国对消费者个人信息隐私权保护立法的缺失而创设的行业经济租可能导致大量的寻租活动和巨大的社会成本。为了使我国建立伊始的个人信用征信体系能得到较全面的法律基础支撑、与国际惯例接轨 ,需要以立法的形式保护消费者的个人信息隐私权以使个人信用征信业的外部成本内在化。更多还原

【Abstract】 The credit reporting system is helpful to solve the problem of the lack of personal credit in China. The China’s schedule of special commitments on services has an unfavorable impact on domestic credit reporting industry: the economic rent due to the lack of privacy protection. It is vital to make clear the rights and obligations of the parties in relevant laws and to promote competition to speed up the development of the credit reporting system.更多还原