征信弱势群体权益保护模式研究

Study on the Model of Credit Information Vulnerable Groups' Rights and Interests Protection

随着我国征信市场的不断发展,对于信息主体的各类侵权行为也日益增加。在征信权益受到侵害的各类主体中,以农民、城镇低收入者、在校学生为代表的"征信弱势群体"的风险防范能力较低,权益受到侵害的风险较大,处理难度也高。分析征信弱势群体征信权益受侵害的形式,探讨对征信弱势群体权益保护存在的不足,提出加强征信弱势群体权益保护的对策。

With the continuous development of Chinag credit market, all kinds of infringements of information sub- jects have also increased. Among the groups whose credit information rights were violated, the credit information vul- nerable groups represented by farmers, urban low-income ones and students have lower risk-preventing ability and higher risk of rights violation. On the basis of defining the concept and characteristics of the credit information vul- nerable groups, the paper analyzes the forms of infringement on credit information rights and interests of these groups, probes into the problems in protecting credit information vulnerable groups, and proposes countermeasures for protecting credit information vulnerable groups.