利用与保护:基于信息可携权的个人信用信息采集机制  

Utilization and Protection:Mechanisms for Collecting Personal Credit Information Based on the Information Portability

作　　者：顾男飞 张帆 Gu Nanfei;Zhang Fan(School of Law,JiLin University,Changchun 130012,Jilin,China;Department of Humanities and Social Sciences,Harbin Medical University,DaQing 163319,Heilongjiang,China)

机构地区：[1]吉林大学法学院,吉林长春130012 [2]哈尔滨医科大学人文社科系,黑龙江大庆163319

出　　处：《征信》2022年第10期47-52,60,共7页Credit Reference

基　　金：国家社会科学基金重大项目(20ZDA056);黑龙江省哲学社会科学研究项目(19FXB039)。

摘　　要：个人信用信息属于敏感信息范畴,对其进行有效利用的同时要落实严格的保护要求。为更准确地进行信用评估以满足信用经济的发展需要,个人信用信息采集边界在不断拓展;《个人信息保护法》新增的信息可携权能进一步化解“信息孤岛”困境,但也引发了个人信息自决权实际上的削弱及保护力度的下降。为此,可通过细化最小必要原则和正当原则的适用来明确采集边界,落实告知同意原则和公开透明原则来促进信息采集机制的规范运行。Personal credit information belongs to the category of sensitive information,and strict protection requirements should be implemented while we use the information effectively.To conduct credit evaluation more accurately to meet the development needs of credit economy,the collection boundary of personal credit information continues to expand.The newly added information portability in the Personal Information Protection Law of the People's Republic of China can further solve the dilemma of“Information Island”faced by personal credit reporting in the past.However,it also actually weakens the right of self-determination of personal information and erodes the protection level.Therefore,we can further clarify the collection boundary of personal credit information by refining the application of the Principle of Minimality and Necessity and the Principle of Legitimacy,and promote the standardized operation of the information collection mechanism by implementing the Principle of Informed Consent and the Principle of Openness and Transparency collection mechanism.

关 键 词：个人信息保护法 个人信用信息采集 信息可携权 最小必要原则 正当原则 告知同意原则 

分 类 号：F832[经济管理—金融学] D923[政治法律—民商法学]