【摘要】 在商品经济时代 ,信用的法律涵义不同于传统道德与经济意义上的信义 ,而应成为自然人所享有的一项独立的人格权利。信用权以个人信用和企业信用为主要表现形式 ,并以实现交易中的信用利益为内容。借鉴国外有关信用体制建设与维护的先进经验 ,从法律层面与具体的技术制度层面来建立我国个人信用法律体制 ,既是对公民人格权的保护 ,也是适应信用市场发展 ,引导和保护信用活动的正常进行的需要更多还原

【Abstract】 In the commodity economic age, the legal me aning of "credit" is quite different from the moral or economic meanings, and s h ould be taken as one independent right of personality. The right of credit inclu des the right of individual’s credit and corporation’s credit, it’s also express ed through the credit benefits. Using the advanced experience from foreign count ries for reference, constructing the individual’s credit system of our country i s, in our opinion, not only necessary for the adjusting to the tendency of devel opment of credit market as well as leading credit activities into a right and co rrect orientation.更多还原