典型案例视角下个人征信权益保护若干问题探析

案例研究定位于理论、政策和实践的互动结合。当前,个人征信异议和投诉事项呈上升复杂化倾向,投诉主体和事项呈现更加多元化、诉求更加明确、经济诉求增加、涉法专业性更强、协调处理难度更大等特点。随着社会公众信用维权意识的快速提升和互联网线上借贷平台的蓬勃发展,在个人征信投诉中,尤以接入机构破产解散导致信息更新滞后问题、诉讼期间利息纠纷和限制民事行为人金融借贷引发征信投诉问题突出,三类情况协调解决难度大,信息主体满意度低,建议从多角度深入分析问题产生的原因,切实做到既维护信息主体合法权益,又保障金融机构合理诉求,依法合规推动各类征信投诉妥善解决。

On the Protection of Personal Credit Rights and Interests from the Perspective of Typical Cases

Case study focuses on the interaction of theory,policy and practice.At present,personal credit investigation objections and complaints tend to be more complicated,and the subjects and matters of complaints are more diversifi ed,the demands are more clear,the economic demands are increased,the legal profession is stronger,and the coordination is more diffi cult.With the rapid improvement of the public's awareness of credit protection and the vigorous development of Internet online lending platform,in personal credit complaints,especially in the case of information update lag caused by the bankruptcy and dissolution of access institutions,interest disputes during litigation and fi nancial lending restrictions on civil actors,credit complaints are prominent.It is diffi cult to coordinate and solve the three kinds of situations,with low satisfaction of information subjects It is suggested to analyze the causes of the problems from multiple perspectives,to safeguard the legitimate rights and interests of the information subject,to guarantee the reasonable demands of the fi nancial institutions,and to promote the proper settlement of various credit investigation complaints in accordance with the law and compliance.