个人信用信息跨境流动的全过程法律规制  

The Whole-process Legal Regulation of Cross-border Flow of Personal Credit Information

作　　者：顾男飞 Gu Nanfei(KoGuan School of Law,Shanghai Jiao Tong University,Shanghai 200030,China)

机构地区：[1]上海交通大学凯原法学院,上海200030

出　　处：《征信》2025年第3期18-27,共10页Credit Reference

基　　金：国家社会科学基金一般项目(21BTQ062)。

摘　　要：个人信用信息跨境流动是发挥数据价值的关键,也是我国企业顺利出海的重要基础。个人信用信息跨境流动存在较高的数据安全和隐私保护风险,需要完善法律治理体系,在法律合规建设和监管科技运用的基础上,实现双向高效流动。通过剖析个人信用信息跨境流动各环节存在的差异风险,进一步提出在流动前要充分落实告知同意规则和个人信用信息分类管理标准,顺畅衔接风险自评估与安全评估机制;在流动中要积极推动国际协同治理和第三方保护认证互认,强化监管科技运用,提升监管质效;在流动后要明晰删除义务履行要求,合理配置不同主体的法律责任,以此形塑中国特色数据跨境流动风险治理路径,推动个人信用信息安全有序自由流动。The cross-border flow of personal credit information is crucial for unlocking the full value of data and serves as an important foundation for the successful internationalization of Chinese enterprises.However,this process poses significant risks to data security and privacy protection.To address these challenges,it is essential to strengthen the legal governance framework and achieve efficient two-way data flows by developing robust legal compliance mechanisms and applying regulatory technology.By analyzing risk differentials of the cross-border flow of personal credit information,it is recommended to fully implement notification and consent rules and establish classification management standards for personal credit information prior to data transfer.Additionally,risk self-assessment and security evaluation mechanisms should be seamlessly integrated.During the flow,efforts should focus on promoting international collaborative governance,achieving mutual recognition of third-party protection certifications,enhancing the application of regulatory technology,and improving the quality and efficiency of supervision.After the flow,clear obligations for data deletion must be established,along with the rational allocation of legal responsibilities among various stakeholders.This comprehensive approach aims to develop a risk governance framework tailored to cross-border data flows with Chinese characteristics,ensuring the secure,orderly,and free movement of personal credit information.

关 键 词：个人信用信息 跨境流动 全过程规制 国际协同治理 监管科技 

分 类 号：D912.16[政治法律—宪法学与行政法学] F832[政治法律—法学]