个人征信体系中知情权与信息隐私权平衡的原则

个人征信体系的建立是现代信用经济发展的基础。以个人信用信息为中心的个人征信体系带来了授信人知情权与被征信人信息隐私权的冲突,平衡二者的冲突是个人征信立法的重要任务。法律原则是法律制定与适用的指导,所以,在利益衡量、权利协调、比例、人格尊严原则的指导下,个人征信法律制度将会逐渐趋于完善。

The Principle of the Balance between the Rights to know and the Information Privacy Rights in the Individual Credit Information System

Individual Credit Information System should be built up.It can accelerate the development of the modern credit economy.The core of the Individual Credit Information System is the individual credit information.And this system leads the conflict between the right to know and the privacy right of two parties.So the legislation on the Individual Credit Information System should settle this conflict.The legal principle is the guidance of the legislation and performance.The Individual Credit Information System will become more perfect under the guidance of principles:the balance of interests,rights coordination,and proportion and personality dignity.