【作者】 塔娜；

【导师】 吉雅；

【作者基本信息】 内蒙古大学 ， 法律（法学）（专业学位）， 2020， 硕士

【摘要】 个人信用修复制度是社会信用法律制度的有机组成部分,是指失信个人在一定期限内主动纠正失信行为,按照一定条件,经法定程序,重塑个人信用,由信用修复处理主体恢复其信用的制度。从我国目前个人信用修复制度的立法与规定的现状来看,国家层面尚未制定相关法律法规,仅有相关规范性文件。地方立法也处于初创阶段,存在个人信用修复条件不具体、修复方式不合理、修复程序不健全、监督不完善等诸多不完善之处,导致了实践中,失信个人的合法权利无法得到保障,对信用修复处理主体无法进行有效监督,甚至无法保障社会公众的知情权等问题,个人信用修复制度实施效果大打折扣。因此,本文对现有规范性文件和地方立法进行梳理,针对我国个人信用修复制度立法与规定中现存的问题,从细化个人信用修复条件、构建合理的个人信用修复方式、健全个人信用修复程序、完善个人信用修复制度的监督等方面,为国家层面的个人信用修复立法出台提出了建议。更多还原

【Abstract】 The personal credit repair system is an organic part of the social credit legal system.It refers to the system in which a discredited individual takes the initiative to correct his discredited behavior within a certain period of time and re-establishes his personal credit according to certain conditions and prescribed procedures.There are many imperfections,such as the lack of specific conditions for personal credit repair,unreasonable treatment methods,incomplete repair procedures and imperfect supervision.The practice effect and social subject evaluation of individual credit repair system are greatly reduced.In view of the existing problems in the legislation of personal credit repair system in China,this paper puts forward some Suggestions for the legislation of personal credit repair system at the national level from the following aspects: refining the conditions of personal credit repair,constructing a reasonable handling way of personal credit repair,perfecting the procedure of personal credit repair,and perfecting the supervision of personal credit repair system.更多还原