个人信用信息异议权保护研究  

Research on the Protection of the Right of Objection to Personal Credit Information

作　　者：胡兰玲[1] 刘淑敏 Hu Lanling;Liu Shumin(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9期37-43,共7页Credit Reference

基　　金：2022年天津市哲学社会科学规划项目(TJFX22-006)。

摘　　要：个人信用信息异议权在保障个人信用信息权益层面发挥着重要作用,但在个人信用信息异议权的立法中存在异议处理程序不完善、不良信息保存规则不合理、信息处理者事先告知义务缺失以及举证责任规定不一致等问题。为解决上述问题,应在结合我国实际情况的基础上借鉴域外有益经验,完善异议处理程序,细化异议处理机制,确保个人信息主体能够充分行使个人信用信息异议权。The right of objection to personal credit information plays an important role in protecting the rights and interests of personal credit information.However,there are problems in the legislation of the right of objection to personal credit information,such as incomplete objection handling procedures,unreasonable rules for preserving bad information,lack of prior notification obligations for information processors,and inconsistent provisions on the burden of proof.To solve the above problems,it is necessary to draw on beneficial experiences from outside the region based on the actual situation in China,improve the objection handling procedures,refine the objection handling mechanism,and ensure that personal information subjects can fully exercise their right of objection to personal credit information.

关 键 词：个人信用 信用信息 异议权 异议处理 信用信息主体 

分 类 号：F832.2[经济管理—金融学] D923[政治法律—民商法学]