Legal Protection Of Personal Information In Internet Credit Reporting

With the development of economy,people’s economic activities are becoming more and more frequent.Not only is there a growing demand for personal credit,but also the desire to obtain more diverse credit products and services.The Internet credit agency is convenient,democracy and diversity,it has the traditional credit reporting incomparable advantages,greatly solve the traditional information acquisition credit systems of high cost and difficult to cover groups such problems as lack of credit.The Internet finance industry,especially the P2 P industry’s frequent credit crisis,has increased the demand for Internet credit.Over the past few years,the Internet credit has emerged,and it has become an important infrastructure for the development of modern financial industry.It plays an important role in risk identification,control and prevention.But because the development time of Internet credit is not long,the policy regulation lags behind the pace of market demand,which brings a lot of uncertainty and risks to industry development.Among them,the personal information security risks caused by the incomplete credit system are the most serious.In the beginning explains the reasons of the topic.The first chapter begins with the concept of Internet credit,and expounds the relevant significance of Internet credit.Through the analysis of the intrinsic economic law value of Internet credit collection and personal information protection--efficiency and security,indicating that to realize balanced development of the two sides,the key is to realize the order value goal,which is to enhance the construction of the whole personal credit system.However,the delay of the construction of the Internet credit system and the characteristics of the Internet credit information can increase the security risk of personal information in the Internet collection.How to reduce the security risk of personal information is of great importance.The second part takes Zhima Credit as an example,through the operation mode of credit sesame and its characteristics were analyzed,and pointed out the main body in Internet credit reporting damage information of consent,unreasonable scope of information collection,online safety,objection handling personal information protection and relief difficult problems,such as Internet credit system is not sound in China under a lot of personal information security threat.The third part based on the personal credit system in the United States and Germany were analyzed,from the protection of the rights and interests of personal credit information in the main body,the scope of information collection,and personal credit bureaus of liability and other aspects,it is summarized in the personal credit reporting the successful experience of developing the protection of personal information.Finally,aiming at the deficiency existing in the current Internet reference,draw lessons from foreign successful experience,proposed should be forgotten in the personal information collection,information power,the agency’s responsibility and credit supervision,etc,to strengthen the protection of personal information in the Internet inquiry,and to ensure credit investigation’s growth.