Protecting Personal Credit Information in Big Data Era:For perfecting the Individual Credit System of China
【中文摘要】我国个人征信制度具有鲜明的时代特征,但在个人信息保护方面不仅与欧美发达国家之间存在着明显差距，自身也面临着诸多的挑战。我国个人征信主体权利的实现，应当以权利的规范与保护为核;建立在个人信息控制权的基础上。GDPR规则下的欧盟个人征信监管模式以及FCRA规则下的美国征信监管体系,对我国个人征信监管模式的发展具有借鉴意义。完善我国的个人征信制度,应当提升个人信息保护的立法层级,平衡个人信用信息使用与个人信息保护之间的冲突,健全个人征信主体的权利保护与救济体系，发展个人征信行业协会,促进行业自律, 推动个人征信业的发展。 【Abstract】China's individual credit system has the distinct characteristics of the times，meanwhile，there is an apparent gap in the protection of personal credit information between China and other developed European and American countries,confronting with many challenges in protecting personal credit information. The core of realization of rights of individuals is regulating and protecting their rights，and basing on the right of control over personal information. The supervisory systems under the GDPR in the EU and FCRA in the USA are references for the development of the individual credit system in China. To perfect the individual credit system of China should promote the legislation hierarchy，maintain the interest balance between the application of personal credit information and the protection of individual rights，establish a sound system to protect the subjects of the individual credit system with juridical relief procedure，and promote the professional association and self-discipiine of individual credit system to facilitate the development of individual credit system of China.