个人征信信息主体的维权途径研究

发布时间：2018-02-11 23:45

本文关键词： 征信体系个人征信个人信息保护征信业管理条例信息主体　出处：《南方金融》2015年10期 　论文类型：期刊论文

【摘要】：自2013年《征信业管理条例》实施以来,中国内地形成了以《征信业管理条例》为线,以行政、民事、刑事法律法规为点,以国务院征信业监督管理部门颁布的规范性文件为辅的个人征信信息主体维权体系。本文立足于中国内地现行法律框架,在剖析征信业务各方当事人法律关系的基础上,对个人征信信息主体享有的权利进行分析,并对个人征信信息主体的维权途径及其利弊进行比较研究。本文认为,信息主体的维权之诉就是反侵权之诉,信息主体在维权过程中,要明晰侵权人及自己受侵犯的权益,然后根据被侵权情况选择正确的维权方式,必要时还可引入公权力,或者平衡利益适当作出取舍,以最大限度地维护自身的合法权益。
[Abstract]:Since the implementation of the "regulations on the Administration of Credit reporting" in 2013, the mainland of China has taken the "regulations on the Administration of Credit reporting" as the line, with administrative, civil, and criminal laws and regulations as its point. The system of protecting the rights of individual credit information subject supplemented by the normative documents issued by the department of credit investigation industry under the State Council. This article is based on the current legal framework of the mainland of China, and on the basis of analyzing the legal relations between the parties involved in the credit reporting business, This paper analyzes the rights enjoyed by the information subject of personal credit information, and makes a comparative study on the ways of safeguarding the rights of the information subject of personal credit information and its advantages and disadvantages. In the process of safeguarding rights, the information subject should make clear the infringer and his infringed rights and interests, then choose the correct way of safeguarding rights according to the situation of infringement, and if necessary, introduce public power, or balance the interests to make a proper choice. To maximize the protection of their legitimate rights and interests.
【作者单位】：中国人民银行梧州市中心支行;
【分类号】：D922.28;F832.2

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