大数据征信的监管思路:来自《公平信用报告法》的启示

Ideas about Big Data Credit Reporting Supervision: Enlightenment from “The Fair Credit Reporting Act”

美国《公平信用报告法》作为世界征信法律的典型代表,为我国大数据征信监管提供了可供借鉴的范例。我国大数据征信监管应通过设定征信原则和排除法相结合的方法,界定数据征集范围,设计征信数据质量监管制度,扩大大数据征信产品监管范围,实行适度收费管理,做出不同种类负面信息的保留期限规定,保障信息主体的隐私权和知情权。

The United States ＂The Fair Credit Reporting Act＂ as a typical representative of credit reporting laws in the world, has provided a reference for big data credit reporting supervision in China. It＇ s necessary for China＇ s big data credit reporting supervision to combine the establishment of credit reporting principles with the elimination methods, specify data collection range, design credit reporting data quality supervision system, expand the scope of big data credit reporting product supervision, implement levying appropriate management fees, make different provisionsof the retention period of negative information, and safeguard ＂the right of privacy＂ and ＂the right to know＂ of information subjects.