大数据背景下信用信息共享的法理基础

Legal Basis for Credit Information Sharing in the Context of Big Data

随着信息技术和网络科技的发展,传统征信逐渐向大数据征信过渡。相对于传统征信,大数据征信实现了信用信息数据采集、分析和产出的高效性及中立性,突破了传统征信数据来源单一、数据规模有限、数据处理效率低的局限性。促进信用信息共享是实现大数据征信效应最大化的必然之路。要实现信用信息共享,必须阐明信用信息数据的权属关系,厘清基于信用信息数据上的个人信用权与个人信息权二元价值,以及信用信息共享的法理基础。

With the development of information and network technology,traditional credit investigation is gradually transitioning to big data-based credit investigation.Compared with traditional credit investigation,big data-based credit investigation achieves high efficiency and neutrality of credit information data collection,analysis and output,breaking through the limitations of traditional credit investigation data source,limited data scale and low data processing efficiency.Promoting credit information sharing is the inevitable way to maximize the credit effect of big data.Realization of credit information sharing calls for clarification of the ownership relationship of credit information data,dual value of credit information data-based individual credit right and personal information right and the legal basis of credit information sharing.