个人信用征信与保护的冲突与平衡  

The conflict and balance between the personal credit investigation and protection

作　　者：冯江菊[1] 

机构地区：[1]河南工业大学法学院,郑州450001

出　　处：《经济研究导刊》2010年第8期127-129,共3页Economic Research Guide

基　　金：2009年度河南省政府决策研究招标课题(B622)

摘　　要：个人征信行业和制度的发展是市场经济发展的必然,是市场交易安全的保障,其本质要求个人信用信息的开放和共享,而个人信用信息的私密性的特征决定了个人信用征信机制的构建与个人隐私权保护的冲突不可避免。可以说,个人信用隐私权的适度限制与个人征信信息的适当公开,二者的平衡与协调是个人征信体系建立成败的关键问题。在个人信用信息的征集、管理及使用过程中,都应注重个人信用信息保护的平衡。Personal credit information industry and the development of a market economy system, the inevitable development of the market transaction security protection, the essential requirement of personal credit information, openness and sharing, while the personal credit information, determine the characteristics of the privacy of personal credit credit mechanism Construction and protection of personal privacy is inevitable. Can be said that the moderate right to privacy restrictions on personal credit and personal credit information in the appropriate public, both balance and coordination is the establishment of individual credit information system success or failure of key issues. The individual credit information collection, management and use of the process, should focus on balancing the protection of personal credit information.

关 键 词：个人信用 征信 保护 平衡 

分 类 号：C912.1[经济管理]