财经理论与实践2026，Vol.47Issue(3)：143-150,8.DOI:10.16339/j.cnki.hdxbcjb.2026.03.017
民营企业信用信息保护的现实困境与完善进路
Practical Dilemmas and Paths for Improvement in the Protection of Credit Information of Private Enterprises
摘要
Abstract
With the establishment and refinement of the social credit system,credit information has become increasingly significant to the high-quality development of private enterprises.The Private Sector Promotion Law has consolidated the credit information system for private enterprises and preliminarily a-chieved whole-chain regulation of private enterprise credit information.Article 1024 of the Civil Code in-corporates credit within the broad framework of reputation rights;however,the legal attributes of pri-vate enterprise credit information remain theoretically unsettled.Against the backdrop of automated deci-sion-making,the credit reporting sector faces technological risks such as algorithmic discrimination and algorithmic black boxes.The current regulatory framework for the protection of private enterprise credit information can no longer fully meet the practical needs of the development of the private economy,and legal remedies for infringements upon the rights and interests in such information also face substantial obstacles.Following the implementation of the Private Sector Promotion Law,greater efforts should be made to strengthen the protection of private enterprise credit information from both legal and technologi-cal dimensions so as to promote the high-quality development of the private economy.On the one hand,a full-cycle protection regime for private enterprises credit information should be improved,the status of credit rights as specific personality rights should be clarified,and institutional safeguards should be strengthened for key procedures such as credit rehabilitation for private enterprises.On the other hand,the algorithmic transparency mechanism for private enterprises credit information should be improved,and technical regulation governing the sharing and reuse of such information should be strengthened.关键词
民营企业/信用信息/企业信用权/技术规制Key words
private enterprise/credit information/corporate credit rights/technical regula-tion分类
社会科学引用本文复制引用
屈茂辉,周保洲..民营企业信用信息保护的现实困境与完善进路[J].财经理论与实践,2026,47(3):143-150,8.基金项目
湖南省普通高等学校哲学社会科学重点研究基地项目(SKH2024008) （SKH2024008）
