【摘要】：市場(chǎng)經(jīng)濟(jì)是信用經(jīng)濟(jì),在市場(chǎng)經(jīng)濟(jì)體制下,社會(huì)經(jīng)濟(jì)活動(dòng)的正常運(yùn)行有賴于完善的社會(huì)信用體系的建設(shè),這一系統(tǒng)的建設(shè)又離不開個(gè)人征信法律制度。目前學(xué)界對(duì)個(gè)人征信法律制度的價(jià)值目標(biāo)存在不同的看法,進(jìn)而體現(xiàn)在不同的法律制度安排中。本文認(rèn)為在互聯(lián)網(wǎng)金融和大數(shù)據(jù)征信的時(shí)代背景下,個(gè)人信息多變、可疑,潛在的信用交易風(fēng)險(xiǎn)增加。個(gè)人征信機(jī)構(gòu)需獲取有效的信用信息,采集成本增加,影響個(gè)人信息采集效率;原本并不涉及個(gè)人信息的數(shù)據(jù)可以通過大數(shù)據(jù)分析技術(shù)得出與信用交易有關(guān),用于評(píng)估個(gè)人信用狀況。這些信息雖然也征得信息主體同意,但信息主體難以察覺這些信息并不涉及個(gè)人信用,難以控制自己信息的應(yīng)用情境,影響個(gè)人信息使用的安全。因此,本文以維護(hù)個(gè)人征信秩序?yàn)榛緝r(jià)值目標(biāo),通過將安全價(jià)值界定為信息主體能夠有效控制其個(gè)人信息的使用,效率價(jià)值界定為個(gè)人征信機(jī)構(gòu)的信息采集效率,以此協(xié)調(diào)二者的沖突。在互聯(lián)網(wǎng)金融和大數(shù)據(jù)征信時(shí)代背景下,個(gè)人征信法律制度對(duì)利益的取舍發(fā)生了變化,我們不能僅考慮信息主體的信息安全,更不能單純地追求個(gè)人征信活動(dòng)的效率。個(gè)人征信法律制度應(yīng)有的價(jià)值目標(biāo)包括效率、安全、秩序,以維護(hù)個(gè)人征信秩序?yàn)楹诵?實(shí)現(xiàn)信息采集效率和信息使用安全。進(jìn)而,現(xiàn)有的法律制度就需要依據(jù)這些價(jià)值目標(biāo)作出相應(yīng)的調(diào)整,使其對(duì)大數(shù)據(jù)時(shí)代的個(gè)人征信業(yè)務(wù)進(jìn)行有效規(guī)制,以更好促進(jìn)大數(shù)據(jù)時(shí)代征信市場(chǎng)的發(fā)展。本文通過價(jià)值分析方法、規(guī)范分析方法和比較分析方法,結(jié)合我國個(gè)人征信立法現(xiàn)狀,并在效率、安全、秩序價(jià)值目標(biāo)的指引下,從個(gè)人征信機(jī)構(gòu)和個(gè)人征信信息兩個(gè)方面對(duì)我國個(gè)人征信法律制度存在問題作較為全面分析,在此基礎(chǔ)上借鑒國外個(gè)人征信的法律制度經(jīng)驗(yàn),提出了完善我國個(gè)人征信法律制度的相關(guān)建議。個(gè)人征信機(jī)構(gòu)方面主要是完善個(gè)人征信機(jī)構(gòu)設(shè)立的法律制度、合理規(guī)定個(gè)人征信機(jī)構(gòu)的責(zé)任、完善個(gè)人征信機(jī)構(gòu)行業(yè)監(jiān)管規(guī)定;個(gè)人征信信息方面主要是完善個(gè)人信息采集的法律制度、完善信用數(shù)據(jù)質(zhì)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.
【學(xué)位授予單位】：上海師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.29

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