摘要：随着2013年《征信业管理条例》的出台，弥补了我国征信业的立法空白，但《征信业管理条例》是一个宏观层面的管理办法，我国现阶段的个人征信立法仍旧存在一些不足。立法的不全面导致法律不能有效实施，个人信息公开与保护不协调，并且缺乏救济制度，导致我国征信业发展过程中消费者隐私权没有得到充分的保护。本文主要结合国外对征信过程中各个环节的严格把关的经验与国内个人征信立法的现状，在细化立法层次、个人信用信息保护、明确个人征信主体义务和完善失信惩戒机制等方面提出了建议。目前，我国的征信立法虽取得了一定的成果，但仍应继续科学合理的完善个人征信中的相关立法，使得消费者隐私权得到真正保护，促进征信体系的完善和征信业的健康长远发展。

关键词：征信立法 个人信用信息 隐私权

Abstract: With the 2013 "credit management regulations" promulgated, the legislation of China's credit industry, but the "Regulations" credit management is a macro level management, at the present stage of China's personal credit legislation still has some shortcomings. Legislation is not comprehensive to the effective implementation of the law cannot, personal information not publicly coordination and protection, and the lack of relief system, leading to consumer privacy during the development of our credit rating industry have not been adequately protected. This paper combined with the status quo of domestic and foreign experience of personal credit legislation strictly on all aspects of the credit process of refinement, in the legislative level, the personal credit information protection, clear personal credit obligations and improve the disciplinary mechanism and other aspects of the proposal. At present, China's credit legislation has made some achievements, but still should continue to scientific and reasonable to improve the relevant legislation in personal credit, that consumer privacy be really protected, promote the credit system and the credit industry development.

Keywords: Credit legislation  Personal credit information  Rights of privacy