新法律框架下个人征信主体信息权益保护的国际经验比较与借鉴  

A Comparison of Foreign Experiences on Protection of Personal Credit Reference Subjects' Information Rights under New Legal Framework and Reference

作　　者：杨庆明[1] 李贞[1] 幸泽林[1] 

机构地区：[1]中国人民银行赣州市中心支行,江西赣州341000

出　　处：《征信》2013年第11期64-67,共4页Credit Reference

摘　　要：针对我国在个人征信主体信息权益保护领域仍缺乏具体操作细则和配套法规的现状,在分析对比美、欧、日个人征信主体信息权益保护体系的基础上,建议在保护模式上,选择适合我国国情的渐进借鉴模式;在运行机制上,推动流程化及标准化管理;在法律体系建设上,逐步完善操作细则和配套制度;在监管体系上,进一步增强并明晰征信监管职能。Given the situation in China, i.e. lack of specific rules for the operation and supporting regulations inthe field of personal credit subjects information rights protection, based on an analysis and comparison of personal credit subjects information rights protection systems in the US, Europe and Japan, the paper suggests selecting thegradual model suitable for China in the protection model ; promoting the process - oriented and standardized manage- ment in the operation mechanism; gradually improving the operating rules and supporting systems in the legal system construction; and further enhance and clarify credit reference regulatory functions in the regulatory system.

关 键 词：信用信息 个人主体权益保护 国际经验 

分 类 号：D923[政治法律—民商法学] F830.5[政治法律—法学]