个人征信信息法律规制研究  

Research on Legal Regulation of Personal Credit Information

作　　者：李爱君[1,2] Li Aijun

机构地区：[1]中国政法大学民商经济法学院 [2]中国政法大学互联网金融法律研究院

出　　处：《中国应用法学》2023年第2期49-62,共14页China Journal of Applied Jurisprudence

基　　金：2020年度教育部哲学社会科学研究重大课题攻关项目“数据法学的内容和体系研究”(项目编号:20JZD020)的阶段性研究成果。

摘　　要：我国高度重视信用体系构建,个人征信体系作为信用体系的重要组成部分,其构建完善始终是理论研究与实务探索中的重要议题。个人征信体系的构建以个人征信信息的高覆盖度采集与高效利用为基础,个人征信行业的发展则以个人征信信息的有效规制为前提。本文辨析征信中“信”的概念,明确个人征信信息的具体范围,并就其性质、属性进行界定,就个人征信信息规制中存在的立法位阶低、行业标准缺失、信息质量较低、个人信息保护不足、信息融合共享不足等问题进行了剖析,从完善立法、制定行业标准、推进机构信息治理机制构建、促进信息共享等方面提出了个人征信信息的法律规制路径。China attaches great importance to the construction of the credit system.As an important component of the credit system,the construction and improvement of the personal credit system has always been an important topic in theoretical research and practical exploration.The construction of the personal credit information system is based on the high coverage collection and efficient utilization of personal credit information,while the development of the personal credit industry is premised on the eff ective regulation of personal credit information.This article analyzes the concept of"credit"in credit reporting,clarifies the specific scope of personal credit reporting information,and defi nes its nature and attributes.It analyzes the problems existing in the regulation of personal credit reporting information,such as low legislative level,lack of industry standards,low information quality,insuffi cient protection of personal information,and insuffi cient information fusion and sharing.From improving legislation,formulating industry standards,promoting the construction of institutional information governance mechanisms,the legal regulation path of personal credit information is proposed in terms of promoting information sharing.

关 键 词：信用 征信 个人征信信息 法律规制 

分 类 号：D922.28[政治法律—经济法学] D923[政治法律—法学]