On the Rules of Application of Credit Clause in Civil Code
Civil Code includes the protection of credit into its Book Ⅳ"Personality Rights".In judicial practice,when dealing with credit disputes,the courts still encounter the problems of various causes of action,unclear subjects of application,unclear contents of obligation and inconsistent scopes of compensation.Theoretically,it is necessary to further elaborate the core connotation,legal characteristics,right nature and protection methods of credit from the perspective of the credit clause of the Civil Code.It is also significant to refine the rules of application of the credit clause of the Civil Code by distinguishing the reputation infringements on credit from information infringe-ments on credit,clarifying that the subject of application of credit information provisions is limited to natural persons,adding"specific purpose+separate consent"obligations to the processor of sen-sitive personal credit information,and limiting the scope of compensation for credit infringement to direct economic losses and compensation for mental damage.