Research On The Legal Issues Of Internet Credit Data Collection In China

The research on the legal problems of the data collection of Internet credit information is carried out in the background of the rapid development of Internet credit and the era of “Internet +” and “big data”.Data collection as the most basic part of the Internet credit information,which for the subsequent production of high-value credit products play an irreplaceable role.At present,the relevant information on the collection of Internet credit information is mainly embodied in the Regulations on the Administration of Credit Industry,the Measures for the Administration of Credit Institutions,the Guidance for the Administration of Credit Institutions and the Provisions on Personal Information Protection of Telecommunications and Internet Users,But its content on the data collection only made the principle of the need for further refinement.In addition,the protection of the interests of the main information,the sharing of data between agencies and the collection of data collection issues should be taken seriously.The first chapter of this paper is an overview of Internet credit data collection.This chapter discusses the theory of data acquisition of Internet credit information.Based on the basic theory of data collection and Internet credit authentication,this paper defines the concept of Internet credit information collection,analyzes its legal relationship and analyzes the nature of the collection mechanism,collecting the object,collecting the timeliness of the data,collecting the coverage and collecting the data application field.The traditional credit information and the Internet credit information collection are compared and analyzed from the perspective of the central bank credit system.In the second chapter,the paper summarizes the current situation of the data collection of Internet related information at home and abroad from the angle of law and market.In the third chapter,this paper analyzes the behavior of Internet credit information collection with sesame credit as an example.This paper focuses on the legal analysis of the data collection mode in the process of sesame credit,and excavates the legal risk in the collection of credit information.In the fourth chapter,the author discusses the legal problems existing in the data collection of Internet credit information in China based on the differences in the development of Internet credit data acquisition and the legal risk existing in the process of collecting data.It mainly includes: the information subject faces some legal dilemma in the protection of rights and interests,such as the risk of damage to the main body of information,the lack of clear standards of data collection and the slow progress of personal information protection legislation;there is a lack of effective data sharing mechanism between credit agencies and Internet credit agencies and central bank credit system and between Internet credit institutions and other institutions;the data collection and supervision system is not complete,mainly in the main body of supervision,regulatory form lag and regulatory system behind,need to improve and innovate.In the fifth chapter,this paper propounds relevant perfect suggestions for the problems found in the data collection process of Internet credit information.That is,by reducing the risk of the main body of the information to damage the risk,clear the Internet credit data collection standards and speed up the personal information protection legislation to strengthen the protection of the interests of the main information;by promoting the willingness to share data between credit agencies,to promote the central bank credit system and the Internet credit agencies effective docking,and promote the Internet credit agencies and other agencies to share data between the organization to promote data sharing between institutions;it can improve the legal supervision of Internet credit information collection by promoting the diversification of the main body of the data collection and supervision of the Internet,innovating the means of data collection and control of the Internet credit information and improving the relevant data collection system of Internet credit information collection.