摘要
以浙江省嘉兴市为例,通过分析2013—2018年嘉兴市个人征信信息异议处理情况,收集、整理嘉兴市897份市民的个人调查问卷和35家银行业金融机构的深度调查问卷,发现个人征信信息安全监管存在法律制度不完善、监管手段不能适应时代发展要求、未接入机构监管风险仍然存在和个人信息主体维权意识不强等四方面的问题。在我国目前的社会环境下,提出需要进一步加强法律制度建设、加强监管方式应用和丰富监管内容等建议。
By taking the area of Jiaxing city, Zhejiang province as an example, based on the analysis on the personal credit information objection processing from 2013 to 2018, and by collecting and sorting personal questionnaire done by 897 citizens and the depth survey to 35 banking financial institutions, it’s found that there are four problems for personal credit information security regulation, as incomplete legal system, regulatory measures not adapted to the development requirements of the times, regulatory risk of the non-accessed institutions still existing and no strong consciousness of personal information subjects. In the current social environment in China, it’s necessary to further strengthen the construction of the legal system, strengthen the application of regulatory approaches and enrich the content of regulation.
作者
张榕薇
Zhang Rongwei(Jiaxing City Central Sub-branch of the People’s Bank of China,Jiaxing 314050,Zhejiang,China)
出处
《征信》
北大核心
2020年第8期48-52,共5页
Credit Reference
关键词
个人征信信息
信息安全
异议处理
监管方式
嘉兴市
personal credit information
information security
objection processing
regulatory approach
Jiaxing city
