基于金融隐私权保护的个人信用征信立法研究  

Study on Individual Credit Legislation Based on Financial Privacy Protection

作　　者：闫海[1] 张天金[1] 

机构地区：[1]辽宁大学法学院,辽宁沈阳110136

出　　处：《征信》2012年第4期36-41,共6页Credit Reference

基　　金：辽宁省社会科学规划基金项目(L11DFX019);辽宁省社会科学规划基金项目(L10DFX017)

摘　　要：个人信用征信与金融隐私权存在客体重合、动态关联,因此相互冲突。美国、欧盟的个人信用征信立法虽然在立法价值取向、立法例及具体制度设计上存在差异,但是均以平衡个人信用征信和金融隐私权为基础建立了较为完备的法律体系。我国个人信用征信立法例可采取美国模式,征信模式可采取欧盟模式;在具体制度设计上,应充分借鉴二者经验,并结合我国国情,构建涵盖信息提供、信息收集和信息使用的具体规范。Overlapped objects and dynamic association exist between individual credit reference and financial privacy, therefore, they two conflict with each other. Though there are differences regarding the legislative value orientation, the enactment of legislation and the specific system design between the individual credit legislation in the USA and that in the EU, they have established a fairly complete legal system on the basis of the balanced individual cred- it reference and financial privacy. Itg suitable for China to select the U. S. model for individual credit reference leg- islation while selecting the EU model for the credit reference model; it＇ s necessary to learn from both experiences on the specific system design, to take full account of China＇ s national conditions, and build the specifications including provision of information, collection of information and use of information.

关 键 词：金融隐私权 个人信用征信 征信机构 美国法 欧盟法 

分 类 号：DF438[政治法律—经济法学]