The Protect Of Personal Information In Network Credit

In recent years, with the development of China’s modern economy, consumer credit has gradually become a new consumption patterns. Personal credit plays an increasingly important role in society, as small as the relationship between people and loans to borrowers, are inseparable from the credit assessment. The main application in the field of traditional credit lending, lenders in order to reduce risk, will be a conventional personal credit status as an important basis. The rapid development of modern networks, the traditional credit institutions can not meet the needs of social and economic development. People’s Bank of China issued "on good personal credit operational readiness," which kicked off our network credit industry. Credit has numerous advantages of traditional network does not have credit, can take advantage of a large base of data acquisition into the huge information as a credit assessment. This is true, so that the network is facing more challenges in the credit protection of personal information.Personal credit information subject process involves, credit institutions, information providers and information users Quartet legal subjects. Credit institutions authorized to obtain access to information from the main body of the personal credit information provider information, combined with own credit information to the credit assessment of the credit subject, information users to obtain credit information from credit bureaus after processing office. The credit bureaus are in the process of the intermediate links, which after collection and processing of information provided to users of information. In this paper, sesame credit practices in terms of protection of personal information, for example, from three aspects, analyzes its collection, use, delete the problem. In the information gathering process, the body authorized to define the main presence information is not clear, the scope of the provisions of information collection, the source of issues such as blur, can not guarantee the full exercise of the right to information and user consent, information use, prone to leakage of personal information after the cancellation account information to protect information subject negative issues such as deleting information in regard to the validity of the information is not very clear rules, only in accordance with relevant laws and regulations to regulate.According to the above problems, the paper puts forward corresponding, respectively, suggestions and comments, combined with legislative experience of foreign countries, China should put forward as soon as possible the introduction of the law on credit reporting industry, the first credit of personal information should be collected through the main body of information expressly authorized break blanket licensing model, a sound personal identity authentication mechanism; the second specification information collection sources, scope, and resolutely avoid exceeding the scope of fair use to use personal information collected. Third in the use of personal information should be limited on, credit institutions should have an obligation to protect the security of personal information, and are not free to disclose personal information; the fourth time constraints, China’s law is valid only for the bad information will be regulations, we should consider the validity of a positive message of its regularly updated sound. While building a sound regulatory system, the use of industry’s own self-discipline and conduct external oversight dual forces Specification credit bureaus.