考察各国法制可知,对信用利益的保护模式大致有所谓直接保护模式与间接保护模式之分。在学说上亦相应地分为两派。建设与发展社会主义市场经济离不开一个有序的市场环境,信用对于市场秩序的建立与维护而言意义重大。征信制度的发达使得仅以名誉或商誉权制度的保护与信用利益的发展极不相称。将信用利益独立进行保护具有深刻的社会与经济基础。 Examining the legal systems in various countries shows that the protection model for credit interests has roughly the distinction between the direct protection model and the indirect protection model. The doctrine is also divided into two groups. The construction and development of a socialist market economy can not be separated from an orderly market environment. Credit is of great significance to the establishment and maintenance of the market order. Credit system developed so that only the protection of reputation or goodwill system and the development of credit interests extremely disproportionate. The independent protection of credit interests has profound social and economic foundation.