新形势下个人信用信息主体权益保护的实践与思考——以青海省征信维权为例

Thinking and Practice of Protecting the Rights and Interests of Individual Credit Information Subject under the New Situation:Taking Credit Investigation and Rights Protection in Qinghai Province as an Example

近年来,“征信修复”“征信铲单”等乱象层出不穷,征信维权呈现多发性和复杂性倾向。基于青海省征信维权工作实际和典型案例,探析新形势下个人信用信息主体权益保护存在的主要问题:信息主体风险意识淡薄、互联网金融加大信息保护难度、曲解混淆“信用修复”与“征信修复”概念、征信调整的自由裁量权较大。为此,有针对性地提出创新征信宣传思路、规范互联网金融业务发展、持续打击“征信修复”乱象、准确把握征信权益保护政策等对策建议。

In recent years,“credit investigation repair”,“credit investigation shovel”and other chaos emerge in an endless stream,and credit investigation rights protection presents multiple and complex tendency.Based on the actual and typical cases of credit investigation and rights protection in Qinghai Province,this paper analyzes the main problems existing in the protection of the rights and interests of individual credit information subjects under the new situation:weak risk awareness of information subjects,difficulty of information protection increased by Internet finance,misunderstanding and confusion of the concepts of“credit repair”and“credit investigation repair”,and large discretionary power of credit investigation adjustment.To this end,the paper puts forward targeted suggestions such as innovating credit publicity ideas,standardizing the development of Internet financial business,continuously cracking down on the chaos of“credit investigation repair”and accurately grasping the protection policies of credit investigation rights and interests.