随着经济社会的不断发展, 个人的信用活动越来越多, 个人信用在人们的日常生活中扮演了重要的作用。在当代社会, 个人信用状况的好坏直接影响了个人生活的质量。目前, 由于中国现行民法中个人信用权的法律地位不明确, 对个人信用权的保护,更多的是采取间接保护的模式。在司法实践中,对个人信用权的保护, 大多通过名誉权来附带性保护, 对被侵权人提出的精神损害赔偿和间接损失赔偿救济不足。为了全面保护个人信用权, 亟需更新和完善个人信用权的保护理念和保护路径。 对个人信用权含义的分析, 有助于对个人信用权的法律性质进行界定, 个人信用权本质上属于人格权范畴。在讨论了中国民法和中国司法实践对个人信用权保护的现状后, 指出了中国民法对个人信用权保护的不足之处。从保护个人民事权益的角度, 提出对个人信用权应该采取直接保护的建议, 希望中国在 ≪民法典≫中明确规定信用权, 明确个人信用权独立的法律地位, 进一步完善个人信用权侵权构成要件, 对侵害个人信用权的行为采取多种救济手段。个人信用权受到侵害可以获得精神损害赔偿和间接损失赔偿, 进而实现对个人信用权的全面保护。因此, 完善个人信用权保护路径, 应该在明确个人信用权独立法律地位的基础之上, 厘清个人信用权侵权责任, 完善侵权责任承担方式, 从而有效应对个人信用权保护面临的挑战。
With the continuous development of economy and society, there are more and more personal credit activities, and personal credit plays an important role in people's daily life. In contemporary society, the quality of personal credit directly affects the quality of personal life. At present, due to the unclear legal status of the personal credit right in China's current civil law, the protection of the personal credit right is more of an indirect protection model. In judicial practice, the protection of personal credit rights is mostly incidental protection through the right of reputation, and the compensation for mental damage and indirect loss compensation proposed by the infringed is insufficient. In order to fully protect the personal credit right, it is urgent to update and improve the protection concept and protection path of the personal credit right. The analysis of the meaning of personal credit right will help us to define the legal nature of personal credit right. This paper believes that personal credit right belongs to the category of personality right in essence. After discussing the current situation of the protection of personal credit right in Chinese civil law and Chinese judicial practice, it points out the deficiencies in the protection of personal credit right in Chinese civil law. From the perspective of protecting personal civil rights and interests, a suggestion is put forward that personal credit rights should be directly protected. It is hoped that China will clearly stipulate credit rights in the “Civil Code” and clarify the independent legal status of personal credit rights; further improve the constituent elements of personal credit rights infringement ; A variety of remedies are adopted for violations of personal credit rights. If personal credit rights are violated, compensation for mental damage and indirect loss compensation can be obtained, thereby achieving comprehensive protection of personal credit rights.Therefore, in order to improve the protection path of individual cre-dit right,it is necessary to clarify the tort liability of individual credit right on the basis of clarifying the independent legal status of individual credit right, and improve the way of assuming tort liability, so as to effectively meet the challenges faced by the protection of individual credit right.