Study On The Protection Of Rights Of The Individual Credit Checking

Since China began to run a personal credit system, China’s credit environment has been very goodimprovement in economic and social development have become more health, personal credit informationsystem has become an important infrastructure development of China’s market economy. By the end of2012, personal credit information system has collected nationwide82,125.3million,271.52million creditaccount information, open inquiry subscribers reached212,000, the annual cumulative number of queriesof242,464,000times, I accumulated credit report query2,180,000times, an increase of over72%. Goodorder is the foundation of social credit normally runs a modern market economy. As China’s credit systemgradually deepening public concern about personal credit information and improve personal credit rightsprotection problems are gradually revealed. There are a lot of individual rights protection issues to beaddressed in terms of credit investigation, although the People’s Bank and the relevant departments ofconsumer protection practice to get good results for the terms of credit investigation. Meanwhile, comparedto the U.S., EU and other countries, China’s relatively backward credit legislation, there is no one specificcredit law, and therefore this paper improve our personal credit protection legislation, effectivelyprotecting the interests of consumers were related research.Text is divided into three parts:The first part provides an overview of the concept and status of credit related to the protection ofpersonal interest credit, namely credit, interpret the concept of credit, credit investigation andinterpretation of the main contents of individual rights, on the basis of specific sums up credit Reportinglegislative status of the protection of personal rights and interests, and also in this part, the author refers tothe protection of foreign interests in personal credit practices and being inspired.The second part analyzes the specific legal point of view the existence of a personal interest in theprotection of our country credit problems: lower legislative level, a bad credit record retention period istoo long, collecting information on your credit file the lack of legal support, profile information disclosuremissing constraints, lack of credit investigation related to the protection of personal interests, referred tothe relevant facts related problems when combined case analysis, this part of the credit Information in personal protection problems in making a comprehensive analysis.The third part of the analysis presented in part on the basis of these issues over the proposedcountermeasures, the following conclusions: strict credit personal rights protected by law; for bad creditrecords retention period refinement; prohibit solicitation of personal credit file information, personalcredit file information discretion solicitation; disclose personal credit file information; perfect informationrelated rights body, including: the development of the Personal Information Protection Act to protect thebody ’s control of information, establish beforehand prevention right mechanisms to protect informationsubject, standardize processes for objections to protect the right to dissent message body, the establishmentof personal credit dispute arbitration mechanism to safeguard the information in consultation body right torelief.