社会诚信建设与个人权利维护之衡平——论征信体系建设中的个人信息保护

个人征信体系建设是我国推进信用经济发展的标志。个人征信是指依法设立的专门从事信用信息服务的征信机构,收集、处理和提供个人信用信息的行为。个人信用信息包括个人基本信息、个人信贷交易信息以及反映个人信用状况的其他信息。建立个人信用数据库的目的在于打造诚信社会,而大量的个人信用信息收集又使得个人权利面临重大的危险。个人信息之上体现的权利是一种基本人权,它包括公民的基本权利、自由,尤其是人格权。个人信息保护法立法的目的之一是事先个人权利保护和促进个人信息的合法合理使用之衡平,反映在个人信用信息这一具体制度构建方面,就是从促进信用经济健康发展的角度,在征信机构的利用和个人权利之间寻求平衡。

Balance between Social Good Faith and Personal Rights:Protecting Personal Information while Setting up Individual Credit Information Collection System

The establishment of individual credit information system marks a new stage in the development of China’s credit economy. Collection of individual information means setting up agencies specializing in credit and information services, collecting, processing and supplying individual credit information. Individual credit information includes basic personal information, personal credit transaction information and other things that betray one’s credit conditions. The aim of setting up individual information data bases is to build a society with good faith, but collecting much individual information may easily jeopardize individual rights. Individual information is connected with basic human rights that include a citizen’s fundamental rights, liberty, and especially personality. The legislative purpose of the law protecting individual information is to balance the protection of personal rights and the legitimate use of individual information. While setting up the individual credit information system, we should try hard to seek the balance between the function of credit agencies and protection of personal rights.