个人信用信息采集范围最小化原则之替代方案  

On Alternative Solutions to the Principle of Minimizing the Scope of Personal Credit Information Collection

作　　者：翟相娟[1] Zhai Xiangjuan(School of Law,Huaqiao University,Quanzhou 362021,Fujian,China)

机构地区：[1]华侨大学法学院,福建泉州362021

出　　处：《征信》2024年第8期13-19,共7页Credit Reference

基　　金：教育部人文社会科学一般项目(21YJA820030)。

摘　　要：被许多国家立法奉为个人信息收集行为基本准则的最小化原则,适用至个人征信领域会产生理论不适和现实弊端。三种优势互补的系统组合方案可以成为个人信用信息采集范围最小化原则替代之选:以绝对敏感信息为主要内容的负面清单制度,通过确定禁止采集的信用信息范围实现对信用主体核心权益的底线保护;相关性原则将最小化原则意涵中的直接相关性拓展至间接相关性,这使得相对敏感信息和替代数据能够有条件地进入个人征信系统;从采集最小化原则到使用最小化原则体现了“严进”向“严出”征信理念的转变,它要求个人征信机构和信用信息使用者做到“最少使用”和“最小侵害”。The principle of minimization,which is regarded by many countries as a basic guideline for personal information collection,may lead to theoretical incompatibility and practical disadvantages when applied to the field of personal credit reporting.Three complementary system combination schemes can be an alternative to the principle of minimizing the scope of personal credit information collection:the negative list system with absolutely sensitive information as the main content,which achieves bottom line protection of the core rights and interests of credit subjects by determining the scope of prohibited credit information collection;The relevance principle extends the direct relevance implied by the minimization principle to indirect relevance,which makes the relatively sensitive information and alternative data can enter the personal credit information system conditionally.The transition from the principle of minimum collection to the principle of minimum use reflects the transformation of the credit reporting concept from“strict entry”to“strict out”,which requires individual credit reporting agencies and credit information users to achieve“minimum use”and“minimum infringement”.

关 键 词：个人信用信息采集 最小化原则 替代方案 

分 类 号：F832.4[经济管理—金融学] D922.16[政治法律—宪法学与行政法学]