Author(s)

Zhenyi Zhang ¹

Affiliation(s)

¹ School of Law, Zhongnan University of Economics and Law, Wuhan, 430000, China

Corresponding Author

Zhenyi Zhang

ABSTRACT

Personal credit, as a concentrated manifestation of personal moral quality, is not only the core component of the national credit system, but also the cornerstone of a solid relationship between individuals and society. Personal credit can intuitively reflect the business reputation, and many platforms assess this through the personal credit rating module, and the excellent score often means that the individual's ability to fulfill the contract is strong, and the reliability of the transaction is high. This paper focuses on the perspective of civil and commercial law, analyzes in-depth the intrinsic connection between civil and commercial law and personal credit system, and points out the ambiguity of the content of credit principles in the current civil and commercial law and some problems in the construction of personal credit system. On this basis, this paper puts forward the realistic integration path of civil and commercial law and sound personal credit system exploratively, and strives to provide theoretical support and practical reference for the construction of a more perfect personal credit system, with a view to promoting the synergistic effect of the two in the maintenance of market order and the protection of transaction security.

KEYWORDS

Personal credit system; civil and commercial law; integration strategy

CITE THIS PAPER

Zhenyi Zhang. Analysis of the practical application of civil and commercial law in the construction and improvement of personal credit system. Science of Law Journal (2025) Vol. 4: 64-71. DOI: http://dx.doi.org/DOI: 10.23977/law.2025.040308.

REFERENCES

[1] Ge Xiangtai. Exploration of the Realistic Integration of Civil and Commercial Law and Sound Personal Credit System[C]//Chongqing Dingli Culture Communication Co. Proceedings of Integrated Innovation and Development Academic Forum. Beijing Liangao Law Firm, 2023: 3
[2] Wang Di. Research on Improving Social Credit System under the Perspective of Civil and Commercial Law [J]. Legal Expo, 2022, (03):111-113.
[3] Rao Jingjing. Exploration on the construction of credit system in civil and commercial law [J]. Economist, 2021, (11):52-53.
[4] Zhou Wei. Reality integration of civil and commercial law and sound personal credit system [J]. Times Report, 2021, (05):84-85.  
[5] Ren Lu. Analysis of the Reality Integration of Civil and Commercial Law and Sound Personal Credit System [J]. Law and Society, 2021, (14):111-112.

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