互联网征信中个人信息保护制度的比较与借鉴  

Comparison and Reference of Personal Information Protection System in Internet Credit Reporting

作　　者：景欣 Jing Xin

机构地区：[1]上海财经大学法学院,上海200433

出　　处：《西南金融》2020年第9期74-85,共12页Southwest Finance

摘　　要：随着互联网征信迅猛发展,个人信息保护的重要性更加凸显。在大数据时代,互联网征信中的个人信息处理和保护面临很多问题,互联网征信行业呈现新特点,征信法律关系也具有新内涵。欧盟和美国制定了较为完善的个人征信信息法律制度,对互联网征信业务发展与信息保护发挥了重要作用。我国虽不断完善个人信息保护的法律制度,但尚不足以为互联网征信领域的个人信息提供全方位保护,应结合国内互联网征信业发展态势,批判性地借鉴国际立法与实践经验,采取社会控制的立法模式,完善互联网征信中个人信息处理与保护规则,健全监管机制与救济机制,调和信息保护与信息自由之间的冲突。With the rapid development of internet credit reporting,the importance of personal information pro⁃tection has become more prominent.In the era of big data,internet credit reporting brings many problems to the pro⁃cessing and protection of personal information.The Internet credit reporting industry presents characteristics and the legal relationship of credit reporting also has new connotations.The European Union and the United States have established a relatively complete legal system for personal credit information,which has played an important role in the development of internet credit reporting business and information protection.Although China continues to im⁃prove the legal system of personal information protection,it is still not enough to provide comprehensive protection of personal information in the field of Internet credit reporting.It should combine the development trend of the domes⁃tic Internet credit reporting industry,critically draw on international legislation and practical experience,adopt a legislative model of social control,improve personal information processing and protection rules in Internet credit re⁃porting,improve supervision and relief mechanisms,and reconcile the conflict between information protection and information freedom.

关 键 词：互联网征信 个人信息 征信信息 信息保护 大数据 信息不对称 隐私权 民法典 

分 类 号：F831[经济管理—金融学] D923[政治法律—民商法学]