法律视角下征信电子授权的效力及监管研究

Study on the Effectiveness and Supervision of Credit Information Electronic Authorization from the Perspective of Law

基于互联网征信电子授权业务发展实际,从法律视角分析电子授权行为效力问题,进而分析对征信监管带来的挑战,提出政策建议:完善征信电子授权业务制度规范,确保身份识别技术的法律有效性,强化对电子授权行为全流程监管。

Based on the development reality of the electronic Internet credit information authorization business, the paper discusses the effectiveness of electronic authorization behavior from the perspective of law,and then conducts an analysis on the challenge for the supervision of credit information services. Some recommendations are presented: improving the system and business norms of credit information electronic authorization, ensuring legal effectiveness of identification technology, and strengthening regulation on the whole process of electronic authorization behavior.