个人信用信息利用与隐私保护的平衡路径  

On the Balance between Personal Credit Information Application and Privacy Protection

作　　者：白银 Bai Yin(Credit Risk Management School of Xiangtan University,Xiangtan 411105,Hunan,China)

机构地区：[1]湘潭大学信用风险管理学院,湖南湘潭411105

出　　处：《征信》2021年第7期12-22,共11页Credit Reference

基　　金：国家社会科学基金重大项目(20ZDA056);国家社会科学基金重大研究专项项目(18VHJ016);湖南省研究生科研创新项目(CX20200590)。

摘　　要：个人信用信息利用与隐私保护之间的矛盾,根源于两者界限的模糊以及利益驱使下的信用信息滥用。我国个人公共信用信息适用的信息目录管理模式和个人市场信用信息适用的“同意—禁止”管理模式,虽对信用信息的采集范围有所规定,但关于隐私保护的规定尚付阙如。合理地平衡相关法律关系是解决问题的关键:对涉及人格部分应当以保护为主,而涉及经济利益的部分则应以利用为主。具体来说,一是明确与绝对保障人格尊严相关的隐秘领域,二是规制和充分利用个人信用信息目录,三是推进个人信用信息分类管理与信息脱敏有机衔接,四是保障信息主体所具有的信用信息权利及其隐私保护。The contradiction between personal credit information application and privacy protection stems from the blurring of the boundary between the two and the abuse of credit information driven by interests.Though both the information catalog management model applicable to personal public credit information and the“consent-prohibition”management model applicable to personal market credit information have regulations on the collection scope of credit information,there is a lack of regulations on privacy protection in these two models.It is the key of solving this contradiction problem to properly balance relevant legal relations.Protection should be prioritized when it comes to personality and application be prioritized when it comes to economic interests.Specifically,works should be done in four aspects:clarifying the private area related to the absolute protection of personality dignity;regulating and fully making use of the personal credit information catalog;promoting the connection between personal credit information classification management and information masking;safeguarding the credit information rights of information subjects and protecting their privacy.

关 键 词：个人信用信息 隐私保护 信用信息滥用 信息采集范围 信息脱敏 

分 类 号：F832.4[经济管理—金融学] D923[政治法律—民商法学]