互联网发展背景下个人征信体系建设管窥——以嘉兴市为例
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摘要
通过对《征信业管理条例》等相关政策、法规的分析,结合嘉兴市目前个人征信体系发展的现状,从个人信息主体权益保护、互联网征信运行机制、完善个人征信系统等方面,对互联网发展背景下的个人征信体系建设进行研究探讨,剖析了信息处理特点可能导致实务操作中涉嫌违规、个人信息安全保护存在隐患、信息真实性和可持续性值得商榷、法制不完善、缺乏有力的异议解决途径、传统监管思维遭遇瓶颈和传统监管队伍遭遇挑战的问题,提出了依法完善制度、探索符合互联网征信特点的监管方式和技术手段、遵循市场规律和保障信息真实、建立互联网征信行业自律机制、探索建立信息共享标准化体系的个人征信体系建设策略。
Through the analysis of the policies and regulations since the introduction of the Regulations on the Administration of Credit Industry in 2013, based on the current development situation of the credit system in Jiaxing,this paper, after discussing the construction of personal credit information system under the background of Internet development from the aspects of the subjective right protection of personal information,the operation mechanism of Internet credit and the improvement of personal credit information system,analyzes the probable violation operation caused by the characteristics of information processing, the hidden danger in personal information protection, the limited truthfulness and sustainability of information, the imperfection of legal institution, the lack of effective approaches todeal with objections, and problems like the bottleneck of the traditional regulatory thinking and the challenges that the regulatory departments may encounter. Also, the paper puts forward some strategies for the construction of personal credit information system: to improve the institutions according to the law; to explore regulatory means and technological methods appropriate for the characteristics of Internet credit, to observe the market discipline and protect truthfulness of information; to establish self-discipline mechanism of Internet credit industry; and to explore the establishment of a standard system for information sharing.
Through the analysis of the policies and regulations since the introduction of the Regulations on the Administration of Credit Industry in 2013, based on the current development situation of the credit system in Jiaxing,this paper, after discussing the construction of personal credit information system under the background of Internet development from the aspects of the subjective right protection of personal information,the operation mechanism of Internet credit and the improvement of personal credit information system,analyzes the probable violation operation caused by the characteristics of information processing, the hidden danger in personal information protection, the limited truthfulness and sustainability of information, the imperfection of legal institution, the lack of effective approaches todeal with objections, and problems like the bottleneck of the traditional regulatory thinking and the challenges that the regulatory departments may encounter. Also, the paper puts forward some strategies for the construction of personal credit information system: to improve the institutions according to the law; to explore regulatory means and technological methods appropriate for the characteristics of Internet credit, to observe the market discipline and protect truthfulness of information; to establish self-discipline mechanism of Internet credit industry; and to explore the establishment of a standard system for information sharing.
引文
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[2]刘忠姣.个人征信数据应用的现状、问题与建议[J].特区经济,2015(12):109-110.
[3]曾德昊,刘泽一.互联网金融个人信息安全问题及其治理[J].上海金融,2018(1):91-95.
[4]龙济波,刘红熠,杨妮妮.互联网征信背景下个人信息主体权利保护问题研究[C].中国金融论坛工作论文,2016:33.
[5]征信专家组.征信合规管理[M].北京:中国金融出版社,2018:97.
[6]刘新海.征信与大数据[M].北京:中信出版集团,2016:3-40.
[7]夏志琼.互联网金融信用体系建设的难点与对策[J].国际金融,2014(10):72-75.
[8]中国人民银行杭州中心支行课题组.个人征信信息主体权益保护问题研究[J].征信,2018(4):26-31.