我国征信投诉处理工作问题探讨

Discussion on the Problems of Credit Complaint Handling in China

随着征信的应用领域不断扩大,社会公众的维权意识逐步提高,征信投诉事项也呈逐年上升态势。选取中国人民银行分支机构办理的征信投诉典型案例,针对我国现行征信投诉处理配套制度在征信信息报送标准、不良信息告知、征信投诉受理范围、征信投诉核查处理期限等方面存在的问题,建议通过完善征信授权相关法律法规、明确不良信息报送事先告知义务的核查范围、明确征信信息采集与报送标准、完善征信投诉办理机制、优化征信工作机制等,妥善处置各类侵害信息主体权益的征信投诉事项,维护信息主体的合法权益。

With the continuous expansion of credit application fields and the gradual increase of the public's rights awareness,credit complaint matters are also on the rise year by year.Based on the typical cases of credit complaints handled by branches of the People's Bank of China,aiming at the problems existing in the current supporting system for handling credit complaints in China,such as the reporting standards of credit information,bad information notification,the scope of credit complaint acceptance,and credit complaint verification and processing period,it is recommended to properly handle all kinds of credit complaints that infringe on the rights and interests of information subjects and safeguard the legitimate rights and interests of information subjects by improving the laws and regulations related to credit authorization,clarifying the scope of verification of the obligation of prior notification of bad information reporting,clarifying the collection and submission standards of credit information,improving the credit complaint handling mechanism and optimizing the credit working mechanism.