中國大陸社會信用徵信制度研究

社會信用徵信制度是一種中國大陸社會信用體系建設的一部分，旨在建立適合信用交易發展的市場環境，保證市場經濟向信用經濟方向轉變，即從以原始支付手段為主流的市場交易方式向以信用交易為主流的健康轉變。社會信用徵信制度按照依法依規、改革創新、協同共治的基本原則，以加強信用監管為著力點，創新監管理念、監管制度和監管方式，銜接事前、事中、事後全面監管環節的新型監管機制，不斷提升監管能力和水準，規範市場秩序，優化營商環境，推動高品質發展。目前，中共當局正在透過現代科技發展社會信用徵信制度，推動信用徵信資料的公開和共用，制定完善徵信資料標準體系，若社會信用徵信制度建設完成，應用所蒐集的大量資料，說不定能夠成為世界上最安全的地方，但是這樣的安全到極其可怕，一旦人民犯錯，生活會變得寸步難行。因此，推動社會信用徵信制度，不能矯枉過正，避免過度侵害人民的基本人權。

關鍵字

社會信用；徵信制度；誠信社會；失信懲戒；失信黑名單

並列摘要

Social credit information system is a part of the construction of social credit system in Chinese mainland. It aims at establishing a market environment suitable for credit transaction development and ensuring the transformation from market economy to credit economy, that is, from the market transaction mode of the primitive payment method to the healthy transformation of credit transaction as the mainstream. In accordance with the basic principles of law and regulation, reform and innovation, and collaborative governance, the social credit investigation system focuses on strengthening credit supervision, innovates the supervision concept, supervision system and supervision mode, and links up the new supervision mechanism of comprehensive supervision links before, during and after the event, so as to continuously improve the supervision ability and level, standardize the market order, optimize the business environment, and promote high-quality development. At present, the Communist Party of China is developing the social credit system through modern science and technology, promoting the openness and sharing of credit data, and formulating and improving the standard system of credit data. If the construction of the social credit system is completed, the application of a large amount of data collected may become the safest place in the world, but this kind of security is extremely terrible. Once people make mistakes, Life will be difficult. Therefore, to promote the social credit system, we should not overcorrect and avoid excessive infringement on people's basic human rights.