我国信用信息数据共享的法律机制建设--以理论分析和国内外经验总结为路径

发布时间：2018-04-08 15:12

本文选题：征信活动　切入点：数据共享　出处：以理论分析和国内外经验总结为路径

【摘要】：征信活动,涉及数据的征集、处理和使用,而数据的全面性决定了征信报告的权威性。经我国政府多年推动,现已逐渐形成覆盖面较全的公共信用信息数据库和金融信用信息数据库。然而,近年来,基于信息孤岛现象严重,我国征信行业面临着难以深化发展的困境,而数据共享机制不完善则是困境产生的重要原因。从征信活动参与者间关系的角度切入,可明晰数据共享参与者面临的具体难题,一方面是商谈机制的缺失,另一方面是保护机制的缺位,必须结合理论分析和总结国内外经验,建立适合我国国情的商谈机制以及数据主体保护机制。
[Abstract]:The activity of credit information involves the collection, processing and use of data, and the comprehensiveness of the data determines the authority of the report.After years of promotion by the Chinese government, the public credit information database and the financial credit information database with complete coverage have been gradually formed.However, in recent years, due to the phenomenon of information isolated islands, the credit information industry in our country is facing the dilemma that it is difficult to deepen its development, and the imperfect mechanism of data sharing is the important reason for the difficulties.From the angle of the relationship between the participants in the credit-checking activities, it is clear that the specific difficulties faced by the participants in data sharing, on the one hand, the absence of the negotiation mechanism, and the absence of the protection mechanism on the other hand, must be combined with theoretical analysis and summing up the domestic and foreign experience.Set up the negotiation mechanism and the data subject protection mechanism suitable for our country's national conditions.
【作者单位】：上海交通大学凯原法学院;
【分类号】：D922.16

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