个人征信系统操作风险防控机制研究

Study on Operational Risk Prevention and Control Mechanism of Personal Credit System

截至2016年底,个人信用信息基础数据库(以下简称个人征信系统)已为近8.8亿自然人建立了信用档案,该系统已成为世界上收录自然人数最多的征信系统。系统中的信用信息已经广泛应用于商业银行贷前审查及贷后风险管理工作中,系统的日查询量近260余万次,年累计查询量近9.4亿次。然而,由于征信操作系统某些环节较为薄弱,致使系统存在泄露个人信息的潜在风险。目前,个人信用信息保护方面的法律、法规尚未出台,因此,在系统操作上进行风险控制,保护个人信用信息安全尤为迫切。

As of the end of 2016, the personal credit information database(hereinafter referred to as the personal credit system of credit archives)has been established for nearly 900 million people, the system has become the world's largest collection of natural credit system. Credit information system has been widely used in the risk management of the commercial bank before the loan review and loan, the daily amount of more than 260 query system, query cumulative amount of 940 million times. However, due to some aspects of credit operating system is relatively weak; resulting there is a potential risk of leakage of personal information in the system At present, laws and regulations of the personal credit information protection have not yet introduced, therefore, the risk control system in the operation, safety protection personal credit information is particularly urgent.