个人破产中的信息披露制度

Information Disclosure System in Personal Bankruptcy

个人破产中对债权人权益的保护程度过高,致使重整程序或清算程序中适用强制性的信息披露程序,易对破产人的个人信息权造成损害。准确界定公布敏感信息的范围,公权力机关须遵循透明度原则、比例原则,使破产人的个人信息权至少应受到“最低限度”的保护。在具体的制度构建之中,既要将透明度原嵌入个人隐私专员、信息披露预先协商、破产人信用评价系统等制度之中,又要通过强化诸部门法的体系化协调,还要注重将比例原则嵌入信息披露措施之中。

The degree of protection of creditor's rights and interests in personal bankruptcy is too high,which leads to the application of compulsory information disclosure procedure in reorganization procedure or liquidation procedure,which is easy to damage the bankrupt's personal information right.The scope of disclosing sensitive information should be defined accurately,and the public authority should follow the principle of transparency and proportion,so that the bankrupt's personal information right should be protected at least to the minimum.In the specific system construction,transparency should be embedded in the personal privacy commissioner,information disclosure pre-negotiation,bankruptcy credit evaluation system and other systems,and through strengthening the systematic coordination of various department laws,emphasis should also be placed on embedding the principle of proportionality into information disclosure measures.