本文關鍵詞： 互聯(lián)網征信 被征信人權益保護 隱私權 信用權 信息權　出處：《四川師范大學》2017年碩士論文　論文類型：學位論文

【摘要】：我國征信業(yè)在2015年以前屬于由中國人民銀行主導的具有公共性質的傳統(tǒng)征信。2015年1月,中國人民銀行印發(fā)《關于做好個人征信業(yè)務準備工作的通知》,公布了首批獲得個人征信牌照的機構名單,要求芝麻信用、騰訊征信、拉卡拉信用等八家公司做好個人征信業(yè)務的準備工作。自此,市場資本開始進入我國征信業(yè),設立征信機構,開展征信業(yè)。由于這八家征信機構在機構性質、業(yè)務開展模式等多方面均與互聯(lián)網關系密切,因此我國新型的征信模式——互聯(lián)網征信——由此逐漸形成,而2015年也被稱為互聯(lián)網征信“元年”�；ヂ�(lián)網征信對促進我國征信發(fā)展、信用體系建設等都起到積極的作用,但傳統(tǒng)征信立法并未充分考慮互聯(lián)網征信這一新型征信模式,所以很多規(guī)定都不適用;加之互聯(lián)網征信有著異于傳統(tǒng)征信的特點,導致被征信人的相關權利保護容易受到威脅。本文針對被征信人權利保護存在的問題,借鑒域外征信立法經驗,提出重構被征信人權利保護制度的建議。第一章為緒論,主要交代本文的研究背景與意義及創(chuàng)新之處,說明國內外對互聯(lián)網征信的研究現(xiàn)狀,陳述本文的研究內容、思路以及方法。第二章是對互聯(lián)網征信的一般法理分析,辨析征信與互聯(lián)網征信的概念,介紹我國互聯(lián)網征信的發(fā)展歷史與現(xiàn)狀,對比傳統(tǒng)征信,分析其存在的優(yōu)勢�；ヂ�(lián)網征信屬于合同行為,并從主體、客體以及內容三方面論述互聯(lián)網征信中的基礎法律關系。第三章論述被征信人享有的權利,并著重分析了被征信人享有的隱私權、信用權,個人信息權三種權利。分別對其概念、內容、理論學說等內涵進行解析,并將三種權利對比分析,探索其不同之處。第四章分別從現(xiàn)行立法、侵權表現(xiàn)及存在的問題三方面分析被征信人權利保護現(xiàn)狀。厘清權利保護的立法體系以及相應的保護制度。從征信的各個環(huán)節(jié)分析互聯(lián)網征信業(yè)中存在的侵害被征信人權益的行為。揭示被征信人權利保護存在權利設置不合理、信用信息采集范圍法律界定不明,同意權和知情權難以保障等問題。第五章考察域外互聯(lián)網征信中被征信人權利保護制度,并取其精華;針對我國互聯(lián)網征信中被征信人權利保護存在的問題,提出重構被征信人權利保護制度的建議:完善互聯(lián)網征信相關法律法規(guī);規(guī)范互聯(lián)網征信中信用信息采集范圍;切實保障被征信人同意權和知情權;完善信息共享以及信用評級;鼓勵發(fā)展行業(yè)自律,完善監(jiān)管機制。第六章點明為平衡互聯(lián)網征信業(yè)的發(fā)展與被征信人權利保護,未來無論是理論研究還是征信立法上,都應當針對互聯(lián)網征信的特征,以及由其引發(fā)的新的問題,明確互聯(lián)網信息收集的范圍、完善被征信人權利保障制度等。作為新型的征信方式,互聯(lián)網征信發(fā)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.
【學位授予單位】：四川師范大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：D923

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本文編號：1465962