互联网信贷征信授权合规性研究——基于金融信用信息基础数据库接入机构视角  

Study on the Compliance of Credit Reporting Authorization in Internet Credit Loans: From the Perspective of Institutions Accessed to the Basic Financial Credit Information Database

作　　者：中国人民银行赣州市中心支行课题组 杨晖[1] 唐羿[1] 刘林[1] 谢芳俊[1] 郭美娟 Research Team of Ganzhou City Central Sub-branch of the People’s Bank of China(Ganzhou City Central Sub-branch of the People’s Bank of China,Ganzhou 341000,Jiangxi, China)

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》2019年第2期25-28,共4页Credit Reference

基　　金：中国人民银行赣州市中心支行课题(2018GZRH002)

摘　　要：与传统贷款业务征信授权所需的现场身份核实和纸质授权不同,互联网信贷通过互联网渠道以电子签名的方式线上完成客户身份识别、信用信息查询和数据报送的授权。但由于当前各机构线上授权机制欠完善,存在着电子授权法律效力不足、客户身份真实性难以认定、授权内容和用途约定不明确、信息主体权益得不到保障等一系列问题,容易导致违规查询、冒名贷款和征信投诉等风险。应通过完善电子授权流程及技术规范、加强客户身份真实性审核、规范电子授权合同内容、强化征信监管执法、加强信息主体权益保护等措施,促进互联网信贷和征信授权依法依规衔接,确保征信授权的真实性和规范性,依法保障信息主体的合法权益。Different from the on-site identification verification and paper authorization required by the credit reporting authorization of traditional loan businesses, internet credit loans completes the authorization regarding the identification of clients, the credit information inquiry and data submission through internet channels by way of digital signature. However, due to the defects of the online authorization mechanisms of the institutions, such as the weak legal effect of digital authorization, the difficulty of verifying the authenticity of the clients’ identity, the unclearness of the authorization content and agreement on usage, and the lack of protection of the rights of credit information subject, it is likely to cause the risks of illegal inquiry, impost loans, and credit reporting complaints. It is necessary to improve the digital authorization procedures and technical specifications, strengthen the verification of clients’ identity authenticity, and standardize the content of digital authorization contract, reinforce the supervision and law enforcement related to credit reporting, strengthen the protection of the rights of information subjects, and promote the connection between internet credit loan and credit reporting authorization in accordance with the laws and regulations, so as to ensure the authenticity and standardization of credit reporting authorization and protect the legitimate rights of information subjects.

关 键 词：互联网信贷 征信授权 信用信息 征信监管 

分 类 号：F832.4[经济管理—金融学]