个人信用信息上的利益结构及其民法保护  

Interest Structure on Personal Credit Information and Its Civil Law Protection

作　　者：时诚 Shi Cheng(School of Civil and Commercial Law,Southwest University of Political Science and Law,Chongqing 401120,China)

机构地区：[1]西南政法大学民商法学院,重庆401120

出　　处：《征信》2021年第9期43-50,共8页Credit Reference

基　　金：司法部国家法治与法学理论研究基金项目(18SFB2037);中国人权研究会课题基金项目(CSHRS2020-20YB)。

摘　　要：个人信用信息上具有立体式的利益结构,既包括自然人的名誉权、个人信息权益等固有利益,又涵盖了自然人的财产利益、信用信息处理者的利益、公共利益等衍生利益。为实现不同主体的利益平衡,应当赋予自然人在特定场合中对个人信用信息的控制权能,同时认可多元化的个人信用信息处理的合法性基础。我国应构建以《民法典》为基础、以《个人信息保护法》和《征信业务管理办法》为两翼的综合性个人信用信息保护体系,明确将个人信用信息纳入敏感个人信息的范畴,并确立侵害个人信用信息人格权竞合的适用规则。Personal credit information has three-dimensional interest structure,including natural person's reputation right,personal information rights and interests and other inherent interests,but also covers natural person's property interests,credit information processing interests,public interests and other derivative interests.In order to balance the interests of different subjects,natural persons should be endowed with the right to control personal credit information on specific occasions,and the legal basis of diversified personal credit information processing should be recognized at the same time.China should build a comprehensive personal credit information protection system based on China Civil Code,with the Personal Information Protection Law and the Credit Investigation Business Management Measures as two wings,clearly bring personal credit information into the category of sensitive personal information,and establish the applicable rules for the infringement of personal credit information personality right.

关 键 词：个人信用信息 利益结构 信用权 名誉权 个人信息权益 民法保护 

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