一起离异信息主体征信纠纷案例引发的思考——实体法视角下的征信

The Triggered Thinking about a Case of Credit Reporting Dispute between Divorced Information Subjects——The Credit Reference from the Perspective of Substantive Law

以青岛地区一起离异信息主体征信纠纷为例,从我国《合同法》《婚姻法》等实体法角度,重点分析了案例中的法律关系以及为基层央行征信履职带来的启示。征信管理部门亟须引进法律专业人才,加强征信知识宣传普及力度,加强征信业务监管,充分保障信息主体合法权益;接入机构应严格履行不良信息告知义务,并将信息主体权益保护纳入业务全流程。

Taking a credit investigation dispute triggered by divorced information subjects in Qingdao as an example,from the perspectives of Contract Law of the People’s Republic of China,Marriage Law of the People’s Republic of China and other substantive laws,this paper focuses the analysis on the legal relationship in the case and the enlightenment on the performance of credit investigation of grassroots central banks.It’s urgent and necessary for credit reference management departments to introduce legal talents,strengthen the popularization of credit information,intensify the supervision over credit reporting business,and fully protect the legitimate rights and interests of information subjects.It’s necessary for access institutions to fulfill strictly the obligation of bad information disclosure and incorporate the protection of the rights and interests of information subjects into the whole business process.