个人信用报告异常查询案例分析及启示  

Analysis on Cases of Abnormal Inquiries for Personal Credit Report and Its Enlightenment

作　　者：刘丽丽[1] 刘锴[1] 

机构地区：[1]中国人民银行合肥中心支行,安徽合肥230001

出　　处：《征信》2016年第10期59-61,共3页Credit Reference

摘　　要：近年来,在个人信用报告异常查询监测工作开展过程中,发现部分金融信用信息基础数据库查询和使用机构在系统用户管理、安全管理和查询操作等方面存在诸多漏洞,以致违规查询事件层出不穷,严重侵害了信息主体的合法权益。选取部分典型案例,对照征信管理相关制度进行剖析,力图为做好个人信用信息主体的权益保护工作提供一些思路。Many loopholes have been found in such respects as systemic user management, safety management and inquiry operation made by some inquiry and use agencies as against financial credit information databases during personal credit report abnormal inquiry monitoring in recent years, which results in illegal inquiry incidents coming thick and fast, and seriously violates the legitimate rights and interests of the information subjects. By selecting some typical cases, the paper analyzes the relevant system of credit information management, and tries to provide some ideas for the protection of the rights and interests of personal credit information subjects.

关 键 词：征信管理 个人信用报告异常查询监测 违规查询 信息主体权益保护 

分 类 号：F832.39[经济管理—金融学]