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我国的个人信用法制建设存在个人信用立法滞后、现行法规不完善、信用法律约束和保障机制乏力、个人信用行业的监管不到位等问题,必须在制定信用制度基本法的基础上,出台一系列个人信用法律法规,同时修改现行法律法规中关于个人信用制度的相关规定,确保我国个人信用法制建设的健康发展。
China’s personal credit law system has the problems of lagging behind personal credit legislation, imperfect existing laws and regulations, weak credit law and guarantee mechanism, and inadequate supervision of personal credit trade. Based on the formulation of the basic law of credit system, a series of personal credit must be promulgated Laws and regulations at the same time to amend the current laws and regulations on the personal credit system, the relevant provisions of the legal system to ensure the healthy development of China’s personal credit.