我国个人征信法律制度研究
发布时间：2018-09-14 10:42
【摘要】：市场经济是信用经济,在市场经济体制下,社会经济活动的正常运行有赖于完善的社会信用体系的建设,这一系统的建设又离不开个人征信法律制度。目前学界对个人征信法律制度的价值目标存在不同的看法,进而体现在不同的法律制度安排中。本文认为在互联网金融和大数据征信的时代背景下,个人信息多变、可疑,潜在的信用交易风险增加。个人征信机构需获取有效的信用信息,采集成本增加,影响个人信息采集效率;原本并不涉及个人信息的数据可以通过大数据分析技术得出与信用交易有关,用于评估个人信用状况。这些信息虽然也征得信息主体同意,但信息主体难以察觉这些信息并不涉及个人信用,难以控制自己信息的应用情境,影响个人信息使用的安全。因此,本文以维护个人征信秩序为基本价值目标,通过将安全价值界定为信息主体能够有效控制其个人信息的使用,效率价值界定为个人征信机构的信息采集效率,以此协调二者的冲突。在互联网金融和大数据征信时代背景下,个人征信法律制度对利益的取舍发生了变化,我们不能仅考虑信息主体的信息安全,更不能单纯地追求个人征信活动的效率。个人征信法律制度应有的价值目标包括效率、安全、秩序,以维护个人征信秩序为核心,实现信息采集效率和信息使用安全。进而,现有的法律制度就需要依据这些价值目标作出相应的调整,使其对大数据时代的个人征信业务进行有效规制,以更好促进大数据时代征信市场的发展。本文通过价值分析方法、规范分析方法和比较分析方法,结合我国个人征信立法现状,并在效率、安全、秩序价值目标的指引下,从个人征信机构和个人征信信息两个方面对我国个人征信法律制度存在问题作较为全面分析,在此基础上借鉴国外个人征信的法律制度经验,提出了完善我国个人征信法律制度的相关建议。个人征信机构方面主要是完善个人征信机构设立的法律制度、合理规定个人征信机构的责任、完善个人征信机构行业监管规定;个人征信信息方面主要是完善个人信息采集的法律制度、完善信用数据质量保障法律制度、完善信息共享法律制度。
[Abstract]:Market economy is credit economy. Under the market economy system, the normal operation of social economic activities depends on the construction of perfect social credit system, and the construction of this system is inseparable from the legal system of personal credit investigation. At present, scholars have different views on the value goal of the legal system of personal credit, which is reflected in different legal system arrangement. Under the background of Internet finance and big data's credit information, personal information is changeable, suspicious, and the potential credit transaction risk increases. Individual credit agencies need to obtain effective credit information, and the cost of collecting information increases, which affects the efficiency of personal information collection. Data that were not originally involved in personal information can be obtained through big data's analysis technology to be related to credit transactions. Used to assess personal credit status. Although these information also obtain the consent of the information subject, it is difficult for the information subject to realize that the information does not involve personal credit, it is difficult to control the application situation of their own information, and affect the security of the personal information use. Therefore, this article regards maintaining the order of personal credit as the basic value goal, by defining the security value as the information subject can effectively control the use of their personal information, the efficiency value is defined as the efficiency of the information collection of personal credit agencies. In order to coordinate the conflict between the two. Under the background of Internet finance and big data's credit age, the legal system of personal credit investigation has changed the choice of interests. We can not only consider the information security of the information subject, but also can not simply pursue the efficiency of individual credit reporting activities. The value goals of the legal system of personal credit investigation include efficiency, security and order, which take maintaining the order of personal credit as the core to realize the efficiency of information collection and the safety of the use of information. Furthermore, the existing legal system needs to make corresponding adjustments according to these value objectives, so as to regulate the personal credit information business in big data's time effectively, so as to better promote the development of credit information market in the era of big data. Through the value analysis method, the standard analysis method and the comparative analysis method, the article unifies our country individual credit investigation legislation present situation, and under the efficiency, the security, the order value goal guidance, From the two aspects of personal credit agencies and personal credit information, this paper makes a relatively comprehensive analysis of the problems existing in the legal system of personal credit reporting in China, and on this basis draws lessons from the experience of the legal system of personal credit reporting in foreign countries. The author puts forward some suggestions on how to perfect the legal system of personal credit investigation in China. Personal credit agencies are mainly to improve the individual credit agencies set up the legal system, reasonable provisions of personal credit agencies responsibility, improve the individual credit agencies industry supervision provisions; Personal credit information is mainly to improve the legal system of personal information collection, improve the legal system of the quality of credit data, perfect the legal system of information sharing.
【学位授予单位】：上海师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.29
本文编号：2242472
[Abstract]:Market economy is credit economy. Under the market economy system, the normal operation of social economic activities depends on the construction of perfect social credit system, and the construction of this system is inseparable from the legal system of personal credit investigation. At present, scholars have different views on the value goal of the legal system of personal credit, which is reflected in different legal system arrangement. Under the background of Internet finance and big data's credit information, personal information is changeable, suspicious, and the potential credit transaction risk increases. Individual credit agencies need to obtain effective credit information, and the cost of collecting information increases, which affects the efficiency of personal information collection. Data that were not originally involved in personal information can be obtained through big data's analysis technology to be related to credit transactions. Used to assess personal credit status. Although these information also obtain the consent of the information subject, it is difficult for the information subject to realize that the information does not involve personal credit, it is difficult to control the application situation of their own information, and affect the security of the personal information use. Therefore, this article regards maintaining the order of personal credit as the basic value goal, by defining the security value as the information subject can effectively control the use of their personal information, the efficiency value is defined as the efficiency of the information collection of personal credit agencies. In order to coordinate the conflict between the two. Under the background of Internet finance and big data's credit age, the legal system of personal credit investigation has changed the choice of interests. We can not only consider the information security of the information subject, but also can not simply pursue the efficiency of individual credit reporting activities. The value goals of the legal system of personal credit investigation include efficiency, security and order, which take maintaining the order of personal credit as the core to realize the efficiency of information collection and the safety of the use of information. Furthermore, the existing legal system needs to make corresponding adjustments according to these value objectives, so as to regulate the personal credit information business in big data's time effectively, so as to better promote the development of credit information market in the era of big data. Through the value analysis method, the standard analysis method and the comparative analysis method, the article unifies our country individual credit investigation legislation present situation, and under the efficiency, the security, the order value goal guidance, From the two aspects of personal credit agencies and personal credit information, this paper makes a relatively comprehensive analysis of the problems existing in the legal system of personal credit reporting in China, and on this basis draws lessons from the experience of the legal system of personal credit reporting in foreign countries. The author puts forward some suggestions on how to perfect the legal system of personal credit investigation in China. Personal credit agencies are mainly to improve the individual credit agencies set up the legal system, reasonable provisions of personal credit agencies responsibility, improve the individual credit agencies industry supervision provisions; Personal credit information is mainly to improve the legal system of personal information collection, improve the legal system of the quality of credit data, perfect the legal system of information sharing.
【学位授予单位】：上海师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.29
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