论个人征信体系中消费者隐私权的保护

个人征信体系在对个人信息的收集、整理、公开的过程中必然会与信息主体的隐私权发生冲突。在个人信用制度中既要确认有关机构或个人对消费者信用信息的利用、传播权,又要防止有关机构或个人滥用权利侵犯消费者的隐私权,在两者之间寻求适当的平衡点是建立规范的个人征信体系的关键。

The Protection of Consumer's Private Right in the System of Collecting Individual's Information

The system of collecting individuals information must be conflict with the private right of informations main body when system collecting, cleaning up and opening individuals information. In the individual credit system it is needed to acknowledge that some related organizations and individuals have right to use and spread consumers credit information. On the other hand, it is also needed to prevent that some related organizations and individuals abusing their right and infringing consumers private right. So the first thing should do in founding a normative system of collecting individuals information is to seek an appropriate balance point between both sides. The articles purpose is to compare and analysis some related laws of different countries that have developed system of collecting individuals information, then put forward some advises to perfect the system of collecting individuals information in our country.