大数据背景下我国个人信用信息权益保障的困境与完善进路  

On the Dilemma and Improvement Approach of Personal Credit Information Rights and Interests Protection in China under the Background of Big Data

作　　者：田志超[1] 宣亚丽 Tian Zhichao;Xuan Yali(Party School of Jinan Municipal Committee of CPC,Jinan 250100,Shandong,China;Shandong Provincial Department of Finance,Jinan 250002,Shandong,China)

机构地区：[1]中共济南市委党校,山东济南250100 [2]山东省财政厅,山东济南250002

出　　处：《征信》2023年第10期82-86,共5页Credit Reference

摘　　要：大数据背景下,传统征信产业迎来颠覆性变革,个人信用信息权益保障机制面临诸多挑战。厘清当前我国个人信用信息权益保障体系现状,发现信用信息真实性隐忧、信息过度采集挖掘、监管效力不足以及维权渠道不畅等问题。为了完善个人信用信息权益保障体系,基于国际经验镜鉴,提出制定信息处理技术标准,明晰信用数据采集边界,加快大数据征信专项立法,畅通司法救济渠道等政策建议。Under the background of big data,the traditional credit reporting industry has ushered in subversive changes,and the protection mechanism of personal credit information rights and interests is facing many challenges.By clarifying the current status of China’s personal credit information rights and interests protection system,the paper find problems such as the hidden worries about the authenticity of credit information,excessive collection and mining of information,insufficient regulatory effectiveness,and poor channels for safeguarding rights.In order to improve the protection system of personal credit information rights and interests,based on international experience,this paper puts forward some policy suggestions,such as formulating technical standards for information processing,clarifying the boundaries of credit data collection,speeding up special legislation on big data credit reporting,and opening up judicial relief channels.

关 键 词：大数据 个人信用信息 权益保障 完善进路 

分 类 号：F832.3[经济管理—金融学]