大数据时代个人信用信息权益的法律保护缺位与完善  

Absence and Improvement of Legal Protection of Personal Credit Information Rights and Interests in the Era of Big Data

作　　者：侯姝琦 程雪军 Hou Shuqi;Cheng Xuejun(Department of Economics,Party School of the CPC Central Committee(National School of Governance),Beijing 100091,China;Law School of Tongji University,Shanghai 200092,China)

机构地区：[1]中共中央党校(国家行政学院)经济学教研部,北京100091 [2]同济大学法学院,上海200092

出　　处：《征信》2022年第9期25-34,共10页Credit Reference

基　　金：国家社会科学基金一般项目(16BFX098);中国社会科学院国情调研重大项目(GQZD2020006);上海市法学会项目(2022SNSL03);同济大学理论创新项目(4040142319/013)。

摘　　要：在金融科技尤其是大数据的驱动下,我国个人信用信息不断沉淀与累积,给社会经济发展带来了重大的助推。不过,大数据既有对个人信用信息创新发展的积极作用,也有对个人信用信息创新发展的消极影响,给个人信用信息权益的法律保护带来挑战。通过梳理我国的个人信用信息的法律保护制度,充分借鉴域外国家和地区(美国、日本、欧盟等)个人信用信息权益的法律保护经验,提出大数据时代完善我国个人信用信息权益的法律保护制度建议。Driven by fintech, especially big data, China’s personal credit information continues to settle and accumulate, which has brought a significant boost to social and economic development. However, big data has both positive and negative effects on the innovation and development of personal credit information, which brings missing challenges to the legal protection of personal credit information rights and interests. By sorting out the legal protection system of personal credit information in China, and drawing on the legal protection experience of personal credit information rights and interests of foreign countries and regions(US, Japan, EU, etc.), this paper puts forward suggestions on improving the legal protection system of personal credit information rights and interests in China in the era of big data.

关 键 词：大数据 个人信用信息 信用信息权 法律保护 征信模式 综合监管 

分 类 号：F832.4[经济管理—金融学] D922.28[政治法律—经济法学]