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近日,央行个人信用报告网上查询服务试点扩至九省份,通过相关服务平台,即可查到个人信用信息提示、个人信用信息概要以及个人信用报告等三方面的信用记录。无独有偶,最近上海也将地铁逃票纳入了个人征信,因此而造成的个人诚信不良记录,或许将导致不能报考公务员、教师,不能进入大企业工作。规范个体行为,重塑社会诚信,其意义之重要不言而喻,个人征信系统的建立亦可谓是规则所需。然同时还应注意,作为评价他人的“信用信息”首先当保证其内容的真实性和来源的合法性,否则必会因“滥用诚信”而损害到他人的正当权益。由此可见,让个人征信系统在法律的框架内良好运行,才是其彰显“威力”的关键所在。
Recently, the central bank personal credit report online inquiry service pilot expanded to nine provinces, through the relevant service platform, you can find personal credit information tips, personal credit information summary and personal credit reporting three aspects of the credit history. Coincidentally, Shanghai recently also included the subway fare evasion personal credit, which caused personal bad faith record, may result in not apply for civil servants, teachers, can not enter the work of large enterprises. To standardize individual behavior and reshape the social integrity, its significance is self-evident. The establishment of an individual credit information system is also required by the rules. At the same time, we should also pay attention to that “credit information” as the evaluation of others must first of all be undermined the legitimate rights and interests of others due to the “abuse of good faith” when the authenticity and origin of the content are guaranteed. From this it can be seen that letting the personal credit information system operate well within the framework of the law is the key to its manifestation of “power”.