银行共享、公布欠贷“黑名单”是否侵犯隐私权之法律分析

由于个人不良贷款的不断增加,银行纷纷出台欠贷“黑名单”,以制裁欠债不还的失信者。一时间舆论哗然,针对银行共享、公布欠贷“黑名单”是否侵犯隐私权,社会上形成了两派截然对立的观点:一种观点认为银行此举侵犯了借款人的隐私权,一种认为没有侵犯隐私权。本文认为,银行共享欠贷“黑名单”没有侵犯借款人的隐私权,但银行公布欠贷“黑名单”却侵犯了借款人的隐私权。

An Legal Analysis whether Banks Sharing or Publishing Blacklists of Being Overdue in Payment Infringes on Debtors' Right of Privacy

Since personal bad loan is becoming worsen, a lot of banks establish blacklists of being overdue in payment in order to punish discreditable debtors. Aiming at whether banks sharing or publishing the blacklists infringes on debtors' right of privacy, people form two different opinions , some hold that it infringes on debtors' right of privacy, others maintain that it doesn't. The authors think banks sharing blacklists doesn't infringe on debtors' right of privacy. However , banks publishing blacklists infringe on debtors' right of privacy.