论共享交通中个人信用信息的利用和保护

共享交通的健康发展离不开对个人信用信息的利用和保护。就利用而言,共享交通服务企业基于交易的需要收集用户在共享交通中形成的信用信息,经过用户的同意,可以在共享交通系统中共享收集到的信用信息,或将其提供给社会征信机构,作为个人综合信用信息的衡量因子。就保护而言,事前需要保障用户个人信用信息权的行使,改进权利行使方式;事中需要加强对共享交通服务企业平台的监管,提高行业自我管理水平;事后需要加强非诉讼权利保护方式和纠纷解决机制的运用。

On the Utilization and Protection of Personal Credit Information in Shared Communication

The healthy development of shared communication is inseparable from the utilization and protection of personal credit information.In terms of utilization,the shared communication service enterprise collects the credit information formed by users in the shared communication based on the needs of transactions.With the consent of users,the collected credit information can be shared in the shared communication system,or it can be provided to the social credit reporting agencies as the measurement factor of individual comprehensive credit information.In terms of protection,it is necessary to ensure the exercise of users’personal credit information rights in advance and improve the ways of exercising rights;it’s necessary to strengthen the supervision of shared communication service enterprise platform and improve the self-management level of the industry,it is necessary to strengthen the application of non-litigation right protection means and dispute resolution mechanism.