基层央行加强个人信用信息权益保护的有效途径探析

Analysis on Effective Ways for Grassroots Central Bank Strengthening the Protection of Individual Credit Information Rights and Interests

阐述我国个人信用信息权益保护现状,以衡阳市为例进行典型性分析。从基层央行的角度,结合工作实际,剖析内部管理、系统功能、风险意识三个方面存在的问题,提出了相应的对策建议:加大监管力度,提高信用信息保护的针对性和务实性;加强技防控制,提高信用信息保护的科学性和有效性;强化教育宣传,提高信用信息保护的系统性和长效性。

This paper expounds the status quo of individual credit information rights protection in China,and takes Hengyang city as an example to perform a typical analysis.From the perspective of the grassroots central bank,considering the actual work,this paper analyzes the problems existing in the aspects of internal management,system function and risk awareness,and puts forward corresponding countermeasures and suggestions:intensify supervision to improve the pertinence and practicality of credit information protection;tighten technical control to improve the scientific nature and effectiveness of credit information protection;strengthen education and publicity to improve the systematic nature and long-term effect of credit information protection.