信息主体权益保护机制的构建和思考——以中国人民银行徐州市中心支行征信实践为例

Reflection on Constructing the Mechanism of Information Subject Rights and Interests Protection——A Case of Credit Reference Practice of Xuzhou City Central Sub-branch of the PBC

《征信业管理条例》对信息主体的异议权、救济权等5项权益保护制定了制度性规范。作为基层征信业管理机构,中国人民银行徐州市中心支行探索出以严格规范保护信息主体的异议权和救济权为核心的"一二三四"权益保护机制,即一套领导组织、两组工作流程、三道处置关口、四项常态措施。目前,征信业在信息主体的异议权和救济权权益保护方面仍存在一些问题。为构建信息主体权益保护机制,应引入诉求移交机制,明确诉求解决时限,建立侵权行为行政调解机制,明确征信行政处罚标准。

Institutional norms are formed in the ＂Regulation on the Administration of Credit Investigation Industry＂ regarding five fights and interests protection such as objection fight of the information subjects, right of relief, etc. As the credit industry management institution at the grassroots level, Xuzhou City Sub-branch of the PBC has explored ＂one, two, three, four＂ mechanism for fights and interests protection which is centered on ＂ strictly regulating the protection of objection right and fight of relief of the information subjects, namely, one leadership organization, two series of procedures, three disposal benchmarks, four normal measures＂. At present, there are still some problems in the protection of the rights and interests of the information subjects. In order to construct the protection mechanisms for information subjects, we should introduce the sue transferring mechanism, clear the time limit, set up the administrative mediation mechanism of the tort action, and set the standards of the administrative penalty of the credit reference.