个人信用征信中隐私权保护存在的问题及完善建议

目前，我国个人信用征信中隐私权保护存在着征信立法滞后、信用信息征集使用和提供不规范、信用信息市场监管机制不健全、权利救济制度缺乏等问题。今后，应明确个人隐私权保护的立法原则，修改现有法律，进行新的立法，建立多层次、全方位的个人隐私权的保障救济机制，逐步完善我国个人信用征信中的隐私权保护制度。

Problems for Privacy Protection in Personal Credit Information and Proposals

At present, there are such problems existing in privacy protection in personal credit information in China as credit information legislation being lagged behind, irregular collection, use and provision of credit information, no sound regulatory mechanism for the market of credit information, lack of the right to relief system, etc. In future, it＇ s necessary to make clear the principles used for personal privacy protection legislation, to amend the existing laws for a new legislation so as to establish a multi - level, comprehensive relief mechanism for the protection of personal privacy, and gradually improve the privacy protection system for personal credit information in China.