论信用信息公开过程中公民隐私权的保护

On the Privacy Protection in the Process of Credit Information Disclosure

法治社会要求信用信息在法律的框架下运行,既满足公众知情权的需要,又不应当以牺牲公民的隐私为手段。如果公民个人合法的隐私权被假以公共利益为名在信用信息公开的支配下被无视与践踏,那么该制度本身就缺乏存在的合理性。以信用信息公开中的隐私权为研究起点,分析在信用信息公开视角下保护公民隐私权的必要性,在此基础上通过梳理我国现行信用信息公开立法对公民隐私权的保护现状,探究其中存在主要问题,借鉴国际上的立法经验,应从立法、程序以及法律救济三个方面完善我国信用信息公开中公民隐私权保护制度。

In present society with rule of law,credit information is required to be addressed legally,meeting the needs of the public's right to know without sacrificing the privacy of citizens.If the privacy is ignored or trampled in credit information disclosure for sake of the public interest,the system itself lacks rational existence.This paper,begin.ning with the statement of privacy right in credit information disclosure,will analyse the necessity of privacy protec.tion.Combing the current legislation protection and learning from international legislative experience,the paper will al.so discuss the existing problems,then propose the idea of improving the China's privacy protection system in credit information disclosure from aspects of legislation,procedures and legal relief.