论个人信用制度构建与消费者权益保护的冲突与协调  

Conflicts and Collaborations between the Construction of Individual Credit System and the Protection of Consumers' Legitimate Rights

作　　者：张再芝[1] 江雁飞[1] Zhang Zaizhi;Jiang Yanfei(East China Universityof Techonology,Nanchang,Jianxi 330013,China)

机构地区：[1]东华理工大学,江西南昌330013

出　　处：《桂林师范高等专科学校学报》2018年第3期59-65,共7页Journal of Guilin Normal College

摘　　要：信用信息征信制度是维护市场交易秩序和交易安全、构建诚信和谐社会的重要制度。但在信用信息征信过程中应同时注意保障消费者合法权益,如隐私权、个人信息权等。所以,我国的个人信息征信制度构建中应当在收集的个人信息范围上有所限制,明确限定某些信息不得成为收集对象;在个人信息的保存中应当严格规范,并明确规定信息的有效期和当事人的异议权;在个人信息的使用和查询中应当限定其正当目的和程序,并构建严格的外部监督程序和违规使用个人信息的法律责任制度。Credit reporting system is essential to preserve the order and the safety of market transactions and build up a harmonious society with integrity. However, consumers＇ legitimate rights, such as Right to Privacy and Right to Personal Information, should be guaranteed in the process of construction of credit reporting system. Therefore, restrictions and strict rules should be imposed respectively on the range of personal information to be collected and the storage of them. Besides, stipulating the term of validity of those personal information and objection rights for the parties concerned is necessary. In the process of the use of personal information, the aims and procedure must be made explicit with the strict external supervision and laws established against the abuse of personal information.

关 键 词：信用信息 征信 隐私权 

分 类 号：D912.8[政治法律—军事法学]