对个人不良信息事先告知义务履行现状的调查分析

Survey and Analysis on the Fulfillment of Information Providers’Obligation toInform Data Subjects Prior to the Submission of Negative Personal Information

向金融信用信息基础数据库报送个人不良信息需事先告知信息主体本人,是我国《征信业管理条例》赋予信息主体知情权的一项重要内容。通过对青岛地区接入机构进行全面调查,分析个人不良信息事先告知义务履行现状、存在问题及带来的不利影响,揭示充分履行告知义务面临的实际困难,探索推动规范履行告知义务的可行性路径。

The data subjects should be informed before their negative information is submitted to the basic financial credit information database, which is part of their right granted by the Regulation on Credit Reporting Industry. This article conducts a comprehensive survey of institutions accessed to the database in Qingdao and analyzes the status quo of these institutions in fulfilling their obligation to inform data subjects prior to the submission of negative personal information, the problems when fulfilling this obligation and the negative impact.In addition, it reveals the real difficulties facing institutions in completely fulfilling their obligation to inform data subjects and explores the feasible paths to promoting the standard fulfillment of their obligation to inform data subjects.