Author(s)

Chunyu Yan ¹

Affiliation(s)

¹ Yunnan Open University, Kunming, Yunnan, 650500, China

Corresponding Author

Chunyu Yan

ABSTRACT

The rapid development of digital technology has reshaped the generation, circulation and application mode of personal credit information, and the protection and regulation of personal credit right, as a fundamental right in the era of digital economy, is facing unprecedented challenges. This paper systematically combs through the research status of legal regulation of personal credit right in the digital era, deeply analyses the core problems such as imperfect legislation, ambiguous positioning of the system, and difficulties in the identification of infringement, reveals the causes of the problems from the three dimensions of law, technology, and society, and puts forward targeted suggestions for the reconstruction of legal regulation in combination with domestic and international practices, with a view to perfecting China's legal system of personal credit right, safeguarding the rights and interests of citizens, and promoting the healthy development of the digital economy. In order to improve the legal system of personal credit right, protect citizens' digital rights and interests, and promote the healthy development of digital economy, we provide theoretical support and practical path.

KEYWORDS

Digital Era; Personal Credit Right; Legal Regulation; Rights Protection

CITE THIS PAPER

Chunyu Yan. Legal Dilemma and Regulatory Path Reconstruction of Personal Credit Right in Digital Era. Science of Law Journal (2025) Vol. 4: 129-133. DOI: http://dx.doi.org/DOI: 10.23977/law.2025.040419.

REFERENCES

[1] Wang Liming, "On the Civil Law Protection of Credit Right", China Law Journal, No. 4, 2012, pp. 87-98.
[2] Zhang Xinbao, "Study on the Compound Interest Attributes of Personal Credit Right", Legal Studies, No. 3, 2015, pp. 51-67.
[3] Gao Fuping, "Personal Information Protection: from Personal Control to Social Control", Legal Business Research, No. 5, 2018, pp. 3-16.
[4] Zhou Hanhua, "Credit Legislation and the Construction of "Incentive Compatibility" Mechanism", China Law Review, No. 4, 2018, pp. 42-55.
[5] Li Zhaohui, "Research on the Credit Reporting System in the United States and Its Implications for China", Comparative Law Studies, No. 2, 2003, pp. 87-102.
[6] Dandan Lu, "Algorithmic Discrimination and the Lack of Judicial Remedies for Credit Rights", Legal Science, No. 4, 2006, pp. 78-89.
[7] Shu Fruit: "An Empirical Study of the Risk of Data Misuse in the Context of "Pan-Creditisation"", Tsinghua Law, No. 3, 2023, pp. 112-128.

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