摘要
伴随个人信息保护法的颁布,我国进一步强化对个人信用信息的保护,调整并完善征信合规体系。个人信息保护法改变了征信体系的根本旨向,个人信用信息的内涵定义与处理原则发生了变更,其对应自然人的人格尊严和财产安全,并补充了合法、诚信和有限制的公开、透明处理原则。对应征信体系的变更,征信合规体系的基本功能也进行升级,采用严进严出的责任追究模式,协调征信机构的合规运行模式,补充对个人信用信息的预先评估模式和事后补救模式,预设自动化决策和在公共场所中采集信息这两种征信合规处理场景,并设立由国家网信部门、中国人民银行、县级以上地方人民政府有关部门组成的三级梯次化合规监管体系。为了确保个人信用信息跨境传输合规,征信合规体系需要在国内进行法律规范审查、规范信息处理流程并强化对硬件的合规监管,在国际上倡导多元共治,注重保护信息安全和避免歧视内容。
With the promulgation of the Personal Information Protection Law,China further strengthened the protection of personal credit information,adjusted and improved the credit investigation compliance system.Personal Information Protection Law has changed the fundamental purpose of the credit investigation system,and the connotation,definition and processing principles of personal credit information have changed,which corresponds to the personal dignity and property security of citizens and added legal,honest and limited openness and transparency as its principles.As a response to the change in the credit investigation system,the basic function of credit investigation and compliance systems also upgrade.It introduces the accountability model of strict input and strict output,coordinate the compliance operation mode of credit investigation agencies,adds ex-ante evaluation and ex-post remedy as the supplement to the personal credit information,and adopts the automatic decision making and gathering information in the public places as the default scenarios for credit investigation.It also establishes a three-tiered compliance supervision system consisting of the national cyberspace administration,the People’s Bank of China and relevant departments of local people’s governments at or above the county level.In order to ensure the compliance of crossborder transmission of personal credit information,the credit investigation compliance system needs to carry out legal review,standardize information processing and strengthen compliance supervision of hardware,advocate international multi-governance,and pay attention to the protection of information security and avoidance of discriminatory content.
出处
《东方法学》
CSSCI
北大核心
2022年第3期43-54,共12页
Oriental Law
关键词
个人信用信息
个人信息保护法
征信合规
征信体系
跨境传输信息
信息安全
personal credit information
Personal Information Protection Law
credit investigation compliance
credit investigation system
cross-border transmission of information
information security
