论个人信用报告错误的损害赔偿

随着市场经济的发展，个人信用信息成为人们关注的重点。但个人信用报告在使用过程中却常常由于各种原因出现错误并给当事人造成损失。为此，应该设立信用权制度对个人信用信息加以保护。对于个人信用报告错误给当事人造成损失的损害赔偿问题，为了充分保护受害人的利益，应该采用过错推定原则，由征信主体和信用信息提供者承担连带责任。在赔偿范围的确定上，由于信用权具有人身权和财产权的双重性质，应该既要包括精神损害赔偿，也要适当考虑由于机会利益丧失给受害人带来的损失。

Compensation Liability for Incorrect Individual Credit Reporting

With the development of the market economy, individual credit becomes a new focus of Chinese society. Unfortunately, due to incorrect individual credit reporting caused by various reasons, many relevant parties suffer loss. Thus, a new system called credit right system should be formed to protect individual credit information. As to the compensation liability for this issue, in order to protect the sufferers＇ interests, principle of presumption of fault should be taken to ensure both inquirer and credit information service body should take responsibilities. Since personal rights and jus proprietatis are the key factors of credit right, both compensation for mental insult and sufferers＇ loss caused by the deprived opportunity interests should be taken into consideration while defining the scope of compensation.