| 刘啸天,张昊熠.个人征信中的概念解构与场景化规范研究[J].唐山学院学报,2023,36(4):93-100 |
| 个人征信中的概念解构与场景化规范研究 |
| Study on Conceptual Deconstruction and Scenario Norms in Personal Credit Reporting |
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| DOI：10.16160/j.cnki.tsxyxb.2023.04.015 |
| 中文关键词: 知情同意规则 信用信息 替代数据 经济征信 公共征信 |
| 英文关键词: informed-and-consent rule credit information alternative data economic credit reporting public credit reporting |
| 基金项目: |
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| 中文摘要: |
| 作为下位法的《征信业务管理办法》,在落实《个人信息保护法》要求的告知义务上,存在义务主体"信用信息提供者"和义务客体"信用信息"界定过于泛化的问题。它对信用信息采用了"用于识别判断企业和个人信用状况"的限定和"其他相关信息"的兜底,在规范层面导致法律概念限定与开放的自我矛盾。而信用信息范畴的扩张是征信理论体系本身扩张的一个缩影。替代数据的使用、经济征信向公共领域的扩张、信用信息透明与个人信息强保护理念的冲突,在理论层面构成征信体系的自我矛盾。由于《征信业务管理办法》所涵摄的征信属于经济领域,所以落实征信的经济性与政策性的目的可以破解规范矛盾,而理论矛盾则要求重新识别征信体系的场景化应用。 |
| 英文摘要: |
| As a subordinate law, the Measures for the Administration of Credit Reporting Business has the problem of over generalization for the definition of the obligation subject "credit information provider" and the obligation object "credit information" in implementing the disclosure duty required by the Personal Information Protection Law. In the Measures,credit information is defined as "used to identify and judge the credit status of enterprises and individuals", but "other relevant information" is used as a cover, which leads to the self-contradiction between the limitation of legal concepts and openness at the normative level. The expansion of the credit information category is a microcosm of the expansion of the credit reporting theory system itself. The use of alternative data, the expansion of economic credit reporting to the public sphere, and the conflict between the concept of transparency of credit information and strong protection of personal information constitute the self-contradiction of the credit reporting system at the theoretical level. The credit reporting covered in the Measures belongs to the economic field, therefore the implementation of the economic and policy purposes of credit reporting can solve the normative contradiction, while the theoretical contradiction requires reidentification of the scenario application of the credit reporting system. |
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