美国征信信息泄露事件对中国个人征信信息保护的启示  

Enlightenment of American Credit Data Leakage Incident to Protection of Personal Credit Information in China

作　　者：何珊[1] 马小林[2] 李昕儒 HE Shan;MA Xiao-lin;LI Xin-ru(School of Economics,Eastern Liaoning University,Dandong 118001,China;Dandong Central Branch of the People’s Bank of China,Dandong 118000,China)

机构地区：[1]辽东学院经济学院,辽宁丹东118001 [2]中国人民银行丹东市中心支行,辽宁丹东118000

出　　处：《辽东学院学报（社会科学版）》2022年第1期74-79,共6页Journal of Liaodong University：Social Science Edition

基　　金：辽东学院青年基金项目“乡村振兴背景下丹东特色小镇信用评价体系建设研究”(2021QN002);辽东学院横向课题“房地产企业供应链ABS融资模式及效应研究”(2021210605000200)。

摘　　要：分析美国2012年大规模居民征信信息泄露案例发现,不法黑客外部入侵、从业人员职业道德缺失、公民信息保护意识不强是造成征信信息泄露的原因。征信信息泄露会侵犯个人隐私、影响个人财产安全、破坏生活安宁并使公民丧失对征信市场的信心。信息保护法律制度体系不完善、监管体系不健全以及信息主体的保护意识不强和能力不足是目前中国征信市场存在的主要问题。为此,要完善相关法律法规、加强公民信息安全监管、提高公民个人的征信信息保护和维权意识。By analyzing the case of large-scale residents’ credit data leakage in the United States in 2012,the authors find that the external invasion of illegal hackers,the lack of professional ethics of employees,and the lack of awareness of citizen information protection are the causes of credit data leakage.Credit data leakage will infringe personal privacy,affect personal property safety,destroy the peace of life and make citizens lose confidence in the credit market.The imperfect legal system of data protection,the imperfect supervision system and the lack of protection awareness and ability of the information subject are the main problems in China’s credit market.Therefore,we should improve the relevant laws and regulations,strengthen the supervision of citizens’ information security,and improve citizens’ personal credit information protection and rights awareness.

关 键 词：个人征信信息 数据泄露 个人隐私 信息安全 财产安全 美国 

分 类 号：F832.4[经济管理—金融学]