我国互联网征信数据采集法律问题研究

发布时间：2018-01-19 15:45

本文关键词： 数据信息互联网征信采集法律问题　出处：《四川省社会科学院》2017年硕士论文　论文类型：学位论文

【摘要】：对互联网征信数据采集存在的法律问题进行研究是在互联网征信快速发展以及国家倡导“互联网+”和“大数据”战略的时代大背景下开展的。数据采集作为互联网征信中最基础的一个环节,其为之后产生高价值的信用产品发挥着不可替代的作用。目前,关于互联网征信数据采集的相关规范主要集中体现在《征信业管理条例》、《征信机构管理办法》、《征信机构监管指引》和《电信和互联网用户个人信息保护规定》等,但其对数据采集的内容仅做了原则性规定,需要进一步细化。除此之外,信息主体权益的保护、机构之间的数据共享以及数据采集的监管问题都应该引起重视。本文第一章是对互联网征信数据采集的概述。本章探讨了互联网征信数据采集的相关理论,对数据采集和互联网征信的基础理论进行梳理,界定了互联网征信数据采集的概念,分析了其法律关系,并从采集机构性质、采集对象、采集数据的时效性、采集覆盖范围和采集数据应用领域五个方面,以央行征信系统为视角将传统征信与互联网征信数据采集进行比较分析。本文第二章分别从法律和市场两个角度对国内外相关互联网征信数据采集的现状进行了梳理和讨论。本文第三章以芝麻信用为例对互联网征信数据采集的行为进行分析。重点对芝麻信用征信过程中数据采集模式进行法律分析,挖掘在征信数据采集中存在的法律风险。本文第四章以国内外互联网征信数据采集发展中存在的差异以及芝麻信用在采集数据过程中存在的法律风险为基础,探讨了我国互联网征信数据采集中存在的法律问题。主要包括:信息主体在权益保护方面面临一些法律困境,比如信息主体权益存在损害风险、数据采集缺少明确的标准以及个人信息保护立法进程缓慢;在征信机构之间、互联网征信机构和央行征信系统之间以及互联网征信机构和其他机构之间缺乏有效的数据共享机制;数据采集监管体系不完备,主要体现在监管主体单一、监管形式滞后以及监管制度落后等方面,需要改进与创新。本文第五章针对互联网征信数据采集过程中发现的问题,提出相应的完善建议。即,通过降低信息主体权益损害风险、明确互联网征信数据采集标准和加快个人信息保护立法进程来加强信息主体的权益保护;通过提高征信机构之间数据共享意愿、推动央行征信系统和互联网征信机构有效对接、促进互联网征信机构和其他机构之间数据共享来促进机构之间数据共享;通过促进互联网征信数据采集监管主体多元化、创新互联网征信数据采集监管手段以及健全互联网征信数据采集相关监管制度来完善互联网征信数据采集的法律监管。
[Abstract]:The research on the legal problems in the data collection of Internet credit information is based on the rapid development of Internet credit information and the national advocacy of "Internet" and "big data". Under the background of the era of strategy, data acquisition is one of the most basic links in Internet credit information. It plays an irreplaceable role in the production of high value credit products. At present, the relevant norms about the data collection of Internet credit information are mainly embodied in the "Credit Information Industry Management regulations". The "measures for the Administration of Credit investigation agencies", the "guidelines on Supervision and Control of Credit investigation agencies" and the "provisions on the Protection of personal Information of Telecommunications and Internet users", etc., however, only provide in principle for the contents of data collection. In addition, the protection of the rights and interests of the information subject. The data sharing among institutions and the supervision of data collection should be paid attention to. The first chapter is an overview of Internet credit data collection. This chapter discusses the relevant theory of Internet credit data collection. The basic theory of data acquisition and Internet credit collection is combed, the concept of Internet credit data collection is defined, the legal relationship is analyzed, and from the nature of the collection organization, the object of collection, the timeliness of data collection. Acquisition coverage and data acquisition application in five areas. From the perspective of the central bank credit system, the traditional credit information and the internet credit data collection are compared and analyzed. The second chapter analyzes the current situation of internet credit data collection at home and abroad from the angle of law and market. The third chapter takes Sesame credit as an example to analyze the behavior of Internet credit data collection, and focuses on the legal analysis of the data collection model in the process of Sesame credit reporting. Chapter 4th is based on the differences in the development of Internet credit data collection and the legal risk of Sesame credit in the process of collecting data. This paper probes into the legal problems existing in the data collection of Internet credit information in China, including: the information subject faces some legal difficulties in the protection of rights and interests, such as the risk of damage to the rights and interests of the information subject. Lack of clear standards for data collection and slow legislative process for the protection of personal information; There is a lack of effective data sharing mechanism between the Internet credit agencies and the central bank credit system, as well as between the Internet credit agencies and other institutions; Data collection supervision system is not complete, mainly reflected in the single regulatory body, the form of supervision lag and the backward regulatory system and so on. We need to improve and innovate. Chapter 5th of this paper aims at the problems found in the process of data collection of Internet credit information, and puts forward corresponding suggestions. That is, by reducing the risk of damage to the rights and interests of information subjects. To strengthen the protection of the rights and interests of the information subject by clarifying the data collection standard of Internet credit information and speeding up the legislative process of personal information protection; By improving the willingness of data sharing among credit agencies, promoting the effective docking between the credit system of the central bank and the Internet credit agencies, and promoting the data sharing between Internet credit agencies and other institutions to promote the data sharing among institutions; Through the promotion of Internet credit data collection regulatory body diversification. To improve the legal supervision of Internet credit data collection, we should innovate the supervision means of Internet credit data collection and improve the relevant supervision system of Internet credit data collection.
【学位授予单位】：四川省社会科学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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