摘要
信用信息归集范围过宽既具有提升政府监管效率、减少市场交易成本、降低市场交易风险等积极影响,也具有限缩个人自由空间、增加信用信息归集利用成本和安全风险、降低信用信息的准确度等消极影响。信用信息归集范围过窄,则既具有降低信息侵权风险、节约信息归集成本等积极影响,也具有降低政府监管精准度、增加市场交易成本和风险、降低多主体协同监管效率等消极影响。为此,建议对于个人信用信息,适当限缩范围以保护个人隐私;对于企业信用信息,适当扩张范围以提高信用监管效率。
As the basis of credit supervision,the scope of credit information should be framed within a reasonable range.Too wide scope of credit information collection not only has positive effects,such as improving the efficiency of government regulation,reducing the cost of market transaction,reducing the risk of market transaction and so on;but also has negative effects,such as limiting personal freedom,increasing the cost of credit information collection and utilization,increasing security risks of credit information,reducing the accuracy of credit information and so on.The narrow collection scope of credit information not only has positive effects,such as reducing the risk of information infringement,saving the cost of information collection and so on;but also has negative effects,such as reducing the precision of government regulation,increasing market transaction costs and risks,reducing the efficiency of multi-agent coordinated regulation and so on.Therefore,it is necessary to adjust the collection scope of credit information:on the one hand,personal credit information should be limited the scope appropriately to protect personal privacy;on the other hand,the scope of enterprise credit information should be appropriately expanded to improve the efficiency of credit supervision.
作者
郑令晗
黄碧云
ZHENG Linghan;HUANG Biyun(School of Credit Risk Management,Xiangtan University,Xiangtan Hunan 411105)
出处
《西部金融》
2022年第7期50-55,共6页
West China Finance
基金
湖南省社科基金项目“信用法治的概念内核、生成基础与秩序格局”(19YBQ099)
湘潭大学校级科研项目“社会信用体系建设研究”(2020BSQDF41)
关键词
信用体系
社会信用
个人信用信息
企业信用信息
credit supervision
social credit
personal credit information
enterprise credit information
