我国个人征信权益保护现状、问题及制度框架建议

我国个人征信权益保护制度不健全,导致侵权采集个人信息、信用报告知情权不充分、信用资料传播控制不严、失信惩戒机制不完善等问题。借鉴西方特别是英、美有关个人征信权益保护立法经验,结合我国征信活动实践,按照平衡征信业务发展与个人权益保护的原则,提出建立我国个人征信权益保护制度框架建议。

Status Quo for Rights Protection of Individual Credit Information,Problems and Proposals for Institutional Framework

Rights protection of individual credit information system is not perfect in China,resulting in such problems as infringement of individual information collected,no full right–to-know of credit reports,no strict control over credit information dissemination,imperfect dishonesty punishment mechanisms,etc.Learning from the legislation experiences on rights protection of individual credit information system in the west,particularly in Britain and America,combined with credit reference activities in China,in accordance with the rule for balancing credit reference business development with individual rights protection,this paper proposes establishment of institutional framework for rights protection of individual credit information system in China.