互联网征信发展与个人信息保护问题探讨

Discussion on the Development of Internet Credit and Personal Information Protection

在数字科技和互联网金融不断发展的背景下,互联网征信得到了快速发展,但也存在违规采集、信息滥用、数据垄断等问题,个人信息保护受到了挑战。秉承“客观中立、包容审慎”的原则,在分析互联网征信的现状与发展趋势、业务特征、潜在风险和信息保护等基础上,进一步提出加强科技监管、严肃监管规则、坚持审慎性原则、建立数据确权机制等互联网背景下完善个人信息保护机制的政策建议。

In the context of the continuous development of digital technology and Internet finance,Internet credit has been developing rapidly,but there are also problems such as irregular collection,information abuse and data monopoly,and personal information protection has been challenged.Adhering to the principle of“objective neutral,inclusive prudence”,and based on the analysis of the current situation and development trend,business characteristics,potential risks and information protection of Internet credit,the paper further puts forward policy suggestions to improve the personal information protection mechanism under the Internet background,such as strengthening scientific and technological supervision,serious regulatory rules,adhering to the principle of prudence,and establishing the data right confirmation mechanism.