大数据背景下我国信息资产法律价值与征信权益保护路径研究

Research on the Legal Value of China’s Information Assets and the Protection Path for Credit Investigation Rights and Interests under the Background of Big Data

比较分析大数据背景下中外信息资产法律价值以及我国征信权益保护存在的问题,借鉴国外征信权益保护经验模式,提出构建我国征信权益保护框架的建议:完善信息保护立法,赋予监管机构相应职权;强化科技赋能,提高征信信息数据质量;创新征信维权渠道,建立健全线上维权全过程管理系统;平衡开放与安全双原则,严防各类征信数据风险;力促征信普惠,提升信息主体征信素养。

This paper presents a comparative analysis of the legal value of Chinese and foreign information assets in the context of big data and the problems faced by China’s credit reporting rights protection,drawing on the experience of foreign credit reporting rights protection models,and putting forward suggestions for constructing China’s credit reporting rights protection framework:improve information protection legislation,and give corresponding authority to the regulators;strengthen science and technology empowerment,and improve the quality of credit information data;innovate credit rights protection channels,and establish and improve the whole online management system for rights protection;balance the openness and safety principles,and prevent against all kinds of credit data risks;push forward inclusive credit reporting,and improve the quality of credit information subjects.