征信体系建设下个人信息保护的进路研究  

Research on the Entry Path of Personal Information Protection under the Construction of Credit Investigation System

作　　者：朱沛智[1] 贾振宇 Zhu Peizhi;Jia Zhenyu(Law School,Tianjin Normal University,Tianjin 300387,China)

机构地区：[1]天津师范大学法学院,天津300387

出　　处：《征信》2024年第5期43-51,共9页Credit Reference

基　　金：2023年天津市哲学社会科学规划重点项目(TJFX23-004)。

摘　　要：目前,我国征信体系在社会多个领域实现了覆盖且仍在深入。为弥补“结果保护”理念引发的个人信息收集与共享泛化、个人信息处理规则透明度较低等缺陷,应引入“过程保护”理念,明晰个人征信信息收集、共享的范围,加强有关征信规则的有效应用。同时,要统筹个人征信与失信惩戒的体系建设,明晰个人征信信息侵权赔偿的认定标准,进而实现对个人信息的有效保护。At present,China’s credit investigation system has achieved coverage in many fields of the society,and is still deepening.In order to compensate for the shortcomings caused by the concept of“result protection”,such as the generalization of personal information collection and sharing,and the low transparency of personal information processing rules,the concept of“process protection”should be introduced to clarify the scope of personal credit information collection and sharing,and strengthen the effective application of relevant credit rules.Moreover,it is necessary to coordinate the construction of a system for personal credit reporting and punishment for dishonesty,clarify the standards for determining compensation for personal credit infringement,and thus achieve effective protection of personal information.

关 键 词：征信体系 失信惩戒 信息收集 个人信息保护 信息权益 

分 类 号：F832.4[经济管理—金融学] D923[政治法律—民商法学]