| 个人信用报告涉及的信息主体权利保护问题探究 |
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| 引用本文： | 徐欣彦. 个人信用报告涉及的信息主体权利保护问题探究[J]. 河南金融管理干部学院学报, 2011, 0(1): 13-16 |
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| 作者姓名： | 徐欣彦 |
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| 作者单位： | 中国人民银行征信中心,上海201201 |
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| 摘 要： | 信息主体权益保护是征信业健康发展的条件之一。我国应在明确信息主体信用权利性质的基础上,构建不同层次的征信法律法规,保护信息主体的权利。国家应在基本民事法律当中明确民事主体的信用权概念,在专门的征信立法中明确征信业各类主体的基本行为规则,并就非法征信行为及其法律责任作出明文规定,同时就信息主体权益的保护机制作出安排,直接规定或授权征信管理部门建立信息主体权益保护的非诉讼处理机制。此外,征信业的自律也是信息主体权益保护重要补充手段。
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| 关 键 词： | 个人征信 信用报告 信用权 信息主体 征信立法 权利保护 |
Inquiry on Information Subject Rights Protection Related to Individual Credit Reports |
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| Affiliation: | XO Xin - yan (The People＇s Bank of China Credit Reference Center, Shanghai 201201 , China ) |
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| Abstract: | The rights protection of information subject is one of the conditions for a healthy development of credit ref- erence industry. It＇ s compulsory for China to build der to protect rights of information subject based on ject. It＇ s necessary for China to specify concepts of up credit reference laws and regulations at different levels in or- defining clearly the nature of credit rights for information subcredit rights in basic civil laws, while the basic rules for Various formation subject. In addition, self- discipline in the credit reference industry is also information subject rights protection. |
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| Keywords: | individual credit reference credit report credit right information subject rights protection an important supplement to credit reference legislation |
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