个人信用报告查询中的风险分析与防范  

An Analysis on Risks of Personal Credit Report Inquiry and Prevention against Them

作　　者：曾晨明[1] 

机构地区：[1]中国人民银行铜陵市中心支行,安徽铜陵244000

出　　处：《征信》2014年第2期19-22,共4页Credit Reference

摘　　要：近年来,随着征信知识的普及,个人信用报告逐渐成为人们生活中的经济"身份证"。然而,个人信用报告违规查询的事件频频曝光,个人信用信息外泄的案件层出不穷,严重侵犯了信息主体的合法权益。通过现实案例,对个人信用报告查询中的三大环节进行剖析,分析个人信用报告查询中的风险隐患,并提出防范应对措施,以更好地维护信息主体权益。In recent years, with the popularization of knowledge of credit, personal credit report has become an e- conomy ＂identity＂ in people＇ s lives. However, credit report inquiry violations are frequently exposed and personal credit information leakage eases emerge one after another, which seriously violates the legitimate rights and interests of information principals. The paper analyzes the potential risks of credit report inquiry from three aspects, draws on international experiences, and proposes appropriate countermeasures so as to better safeguard the interests of the main information principals in China.

关 键 词：征信系统 个人信用报告 查询风险 防范措施 

分 类 号：F832.479[经济管理—金融学]