《民法典》视角下个人信用信息权益分析  

Analysis of the Rights and Interests of Personal Credit Information from the Perspective of the“Civil Code”

作　　者：白云 Bai Yun(School of Law,Harbin Normal University,Harbin 150025,Heilongjiang,China)

机构地区：[1]哈尔滨师范大学法学院,黑龙江哈尔滨150025

出　　处：《征信》2021年第4期13-18,共6页Credit Reference

基　　金：国家社会科学基金项目(19BFX126)。

摘　　要：《民法典》的颁布带来个人信用信息保护的新思考。对个人信用信息进行类型化划分,是个人信用信息保护的前提。根据《民法典》和《个人信息保护法(草案)》,个人信用信息可以分为琐细信用信息和敏感信用信息。个人信用信息所承载的权益是多元的,在法律中表现为权益综合体。个人信用信息保护需要建立一个包含隐私权、姓名权、个人信息权和个人信用权的权利体系,通过建立以《民法典》为核心,以《个人信息保护法》为延伸,以《个人征信条例》为补充的完备的法律体系,实现个人信用信息的全面保护。The promulgation of the“Civil Code”triggers new thinking on the protection of personal credit information.It is the prerequisite for the protection of personal credit information to classify credit information based on types.Personal credit information can be classified into trivial credit information and sensitive credit information in accordance with the“Civil Code”and the“Personal Information Protection Law(Draft)”.The rights and interests carried by personal credit information are multiple,which are manifested as a complex of rights and interests in law.The protection of personal credit information calls for the construction of a rights system including privacy right,name right,personal information right and personal credit right.The comprehensive protection of personal credit information can be achieved through the establishment of a complete legal system,in which the“Civil Code”is the core,the“Personal Information Protection Law(Draft)”the extension, and the“Regulation on Personal Credit”the complement.

关 键 词：《民法典》 个人信用信息 权益 

分 类 号：F832[经济管理—金融学] D913[政治法律—民商法学]