个人征信法律关系与信用信息之上的法律权利

Legal Relationship of Personal Credit Investigation and Legal Rights based on Credit Information

通过解读个人征信法律关系,从内涵上阐述征信数据的开放,对征信数据主体隐私权的保护以及对征信机构征信数据的价值评价,明确信用信息之上对个人信息采集、使用中的对个人隐私权和知情权的法律保护以及确认征信数据主体对信用信息的适度控制权,从而将征信活动作为一种创新的法律行为而纳入法律框架,规范征信活动,维护良性的征信法律关系。

Generally, refers to the professional, independent of the third party agency that is the credit agency, through various means and channels to investigate, collect and evaluate, objectively record the consumer＇s personal credit information and establish a credit file, at the same time according to the law to provide credit information services. By analyzing the legal relationship of personal credit, from the connotation of this paper expound the content of the credit data in the open, the protection of the privacy right of the subject of the credit investigation and the value evaluation of credit data from credit information service, so as to make clear the credit information to personal information collection, the use of personal privacy and the right to know the legal protection, to confirm the proper control of credit information. Thus credit information, as an innovative legal act, is put in the legal framework, standardize credit information activities, maintain good legal relationship.