双重视角下个人征信权益保护问题研究

Research on the Protection of Personal Credit Rights From a Dual Perspective

个人征信权益保护事关人民群众切身利益。当前,个人征信权益保护领域出现了一些新情况、新问题、新矛盾,突出表现在县域主体权益保护待强化、线上查询授权流程有漏洞、征信异议处理不规范、替代数据监管滞后、机构职责定位不明、信息主体滥用权利过度维权等。在迈向征信业现代化发展的新征程中,建议完善顶层设计、落实征信新规,强化合规管理、严惩违规行为,借助科技赋能、优化服务供给,注重宣传教育、引导理性维权,多措并举满足人民群众个性化、多样化发展需要。

The protection of personal credit rights is related to the personal vital interests.At present,there have been some new problems in the field of personal credit protection,such as the need to strengthen the protection of the rights of county-level entities,loopholes in the online query authorization process,non-standard handling of credit objections,lagging supervision of substitute data,unclear positioning of institutional responsibilities,and excessive abuse of rights by information subjects.In the new journey towards the modernization of the credit reporting industry,it is recommended to improve top-level design,implement new credit regulations,strengthen compliance management,severely punish violations,leverage technology to empower and optimize service supply,focus on publicity and education,guide rational rights protection,and take multiple measures to meet the personalized and diversified development needs of the people.