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借鉴美国经验完善我国个人信用修复机制

         

摘要

随着“芝麻分”“考拉分”“猪猪分”等个人信用评分的推出,信用评分的应用范围越来越广泛,个人信用修复的需求也越来越强烈。在征信体系发达的美国,个人如果存在不良信用信息,会在经济社会生活中处处受限;同时,信用修复给失信的个人提供改过自新的机会。借鉴美国个人信用修复的主要做法,我国应完善信用修复法律,加强征信宣传教育,建立个人信用修复机制,完善异议处理流程,健全征信投诉机制。%With the launch of such personal credit scoring as “Sesame score”“Koala score”“Pig score ”, etc. , the application of credit scoring will be more extensive, and personal credit recovery demand will become increasingly strong. In the United States in which there is a developed credit system, an individual is limited in economic and social life everywhere provided that he(she) has bad credit record; meanwhile, credit recovery may provide him (her) for rehabilitation opportunities. By referring to the main practices of personal credit recovery in the United States, it’s necessary for China to improve the credit recovery laws, reinforce credit reporting publicity and education, establish personal credit recovery mechanism, improve the objection processing procedures, and improve the com-plaint mechanism for credit reporting.

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