个人信用信息开放与隐私权保护的冲突——一个法律经济学的视角  

On the Conflict of Personal Credit Information Disclosure and Privacy Protection——from a Perspective of the Theory of Law and Economics

作　　者：白云[1] 

机构地区：[1]哈尔滨师范大学政法学院

出　　处：《北方法学》2010年第5期105-112,共8页Northern Legal Science

基　　金：国家社会科学基金青年项目"个人信用信息法律保护研究"(项目编号09CFX034)的阶段性成果

摘　　要：个人征信体系的建立,使个人信用信息开放与隐私权保护的冲突问题凸显出来。征信体系克服了由于信息不对称所带来的效率损失,但也对隐私权的保护提出了新的挑战。法律作为一项平衡利益冲突、维护社会秩序的制度,在个人征信体系的运行中将起到重要的作用。个人征信体系对个人信用信息提出了既要开放、又要保护的制度需求,一个个人信用信息开放与隐私权保护平衡的法律制度体系亟待建立。The conflict of personal credit information disclosure and the privacy protection is becoming prominent due to the establishment of personal credit soliciting system, which has overcome the efficiency losses caused by the information asymmetry, but imposes new challenge to privacy protection. The law will play an important role in the operation of personal credit soliciting system by balancing conflicts and maintaining social order. Thus the personal credit soliciting system should be established as such a legal system to balance the needs of disclosing the personal information and protecting the privacy right.

关 键 词：征信 个人信用信息 冲突 法律制度 

分 类 号：DF41[政治法律—经济法学]