互联网征信中被征信人权利保护研究

发布时间：2018-01-26 15:33

本文关键词： 互联网征信被征信人权益保护隐私权信用权信息权　出处：《四川师范大学》2017年硕士论文　论文类型：学位论文

【摘要】：我国征信业在2015年以前属于由中国人民银行主导的具有公共性质的传统征信。2015年1月,中国人民银行印发《关于做好个人征信业务准备工作的通知》,公布了首批获得个人征信牌照的机构名单,要求芝麻信用、腾讯征信、拉卡拉信用等八家公司做好个人征信业务的准备工作。自此,市场资本开始进入我国征信业,设立征信机构,开展征信业。由于这八家征信机构在机构性质、业务开展模式等多方面均与互联网关系密切,因此我国新型的征信模式——互联网征信——由此逐渐形成,而2015年也被称为互联网征信“元年”。互联网征信对促进我国征信发展、信用体系建设等都起到积极的作用,但传统征信立法并未充分考虑互联网征信这一新型征信模式,所以很多规定都不适用;加之互联网征信有着异于传统征信的特点,导致被征信人的相关权利保护容易受到威胁。本文针对被征信人权利保护存在的问题,借鉴域外征信立法经验,提出重构被征信人权利保护制度的建议。第一章为绪论,主要交代本文的研究背景与意义及创新之处,说明国内外对互联网征信的研究现状,陈述本文的研究内容、思路以及方法。第二章是对互联网征信的一般法理分析,辨析征信与互联网征信的概念,介绍我国互联网征信的发展历史与现状,对比传统征信,分析其存在的优势。互联网征信属于合同行为,并从主体、客体以及内容三方面论述互联网征信中的基础法律关系。第三章论述被征信人享有的权利,并着重分析了被征信人享有的隐私权、信用权,个人信息权三种权利。分别对其概念、内容、理论学说等内涵进行解析,并将三种权利对比分析,探索其不同之处。第四章分别从现行立法、侵权表现及存在的问题三方面分析被征信人权利保护现状。厘清权利保护的立法体系以及相应的保护制度。从征信的各个环节分析互联网征信业中存在的侵害被征信人权益的行为。揭示被征信人权利保护存在权利设置不合理、信用信息采集范围法律界定不明,同意权和知情权难以保障等问题。第五章考察域外互联网征信中被征信人权利保护制度,并取其精华;针对我国互联网征信中被征信人权利保护存在的问题,提出重构被征信人权利保护制度的建议:完善互联网征信相关法律法规;规范互联网征信中信用信息采集范围;切实保障被征信人同意权和知情权;完善信息共享以及信用评级;鼓励发展行业自律,完善监管机制。第六章点明为平衡互联网征信业的发展与被征信人权利保护,未来无论是理论研究还是征信立法上,都应当针对互联网征信的特征,以及由其引发的新的问题,明确互联网信息收集的范围、完善被征信人权利保障制度等。作为新型的征信方式,互联网征信发展前景一片大好。
[Abstract]:Before 2015, the credit information industry of our country belongs to the traditional credit reporting with public nature, which is led by the people's Bank of China. January 2015. The people's Bank of China issued a notice on the preparation of personal credit reporting business, and published the list of the first batch of institutions that have obtained personal credit license plates, requesting Sesame credit and Tencent credit information. Since then, market capital has begun to enter the credit information industry of our country, set up credit agencies, and carry out credit information industry. Because of the nature of the eight credit agencies in the organization. Business development model and other aspects are closely related to the Internet, so a new type of credit information mode in China-Internet credit-from this gradually formed. 2015 is also known as the "first year" of Internet credit reporting, which plays a positive role in promoting the development of credit information and the construction of credit system in China. However, the traditional credit legislation does not fully consider the Internet credit reporting, so many provisions are not applicable; In addition, Internet crediting has the characteristics of different from the traditional credit reporting, resulting in the protection of the relevant rights of the creditbreakers is easy to be threatened. This paper aims at the problems in the protection of the rights of the creditbreakers, and draws lessons from the experience of extraterritorial credit legislation. The first chapter is the introduction, which mainly explains the research background, significance and innovation of this paper, and explains the current situation of the research on Internet credit at home and abroad. The second chapter is the general legal analysis of Internet credit, the concept of credit and Internet credit, and introduces the history and present situation of the development of Internet credit in China. Compared with the traditional credit, the analysis of its advantages. Internet credit reporting belongs to the contract behavior, and from the main body. The object and content of the basic legal relationship in the Internet credit inquiry. Chapter three discusses the rights enjoyed by the trustee, and focuses on the analysis of the right to privacy, credit rights. Three rights of personal information right. The concept, content, theory and other connotations are analyzed, and the three rights are compared and analyzed to explore their differences. Chapter 4th respectively from the current legislation. This paper analyzes the current situation of the protection of the rights of the creditbreakers from three aspects: the manifestation of infringement and the existing problems, and clarifies the legislative system and the corresponding protection system of the protection of the rights. The behavior of the rights and interests of the creditbreakers. It is revealed that the protection of the rights of the creditbreakers is unreasonable in the setting of the rights. The legal definition of the scope of credit information collection is unclear, the right to consent and the right to know are difficult to guarantee and so on. Chapter 5th examines the system of protection of the rights of the creditbreakers in overseas Internet credit reporting, and takes its essence; In view of the problems existing in the protection of the rights of the creditbreakers in our country, the author puts forward some suggestions for reconstructing the protection system of the rights of the creditbreakers: perfecting the laws and regulations related to Internet credit reporting; Standardizing the scope of credit information collection in Internet credit reporting; The right to consent and the right to know; Perfecting information sharing and credit rating; To encourage the development of industry self-discipline and improve the regulatory mechanism. Chapter 6th points out that the balance of the development of the Internet credit industry and the protection of the rights of the creditbreakers, whether theoretical research or credit legislation in the future. Should be aimed at the characteristics of Internet credit, as well as the new problems caused by it, clear the scope of Internet information collection, improve the system of protection of the rights of creditbreakers, etc. As a new type of credit reporting. The development prospect of Internet credit information is very good.
【学位授予单位】：四川师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923

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