Research On Legal Issues Of Personal Credit Information's Protection And Utilization Under Big Date

With the wide application of Internet technology?personal credit information has been collected and organized to a great extent.This progress has brought about fundamental changes in the way traditional information is collected and used.While promoting the development of the market economy,It has brought great convenience to individuals who participate in the market.However,the extensive use of big data technology has brought great challenges to the protection and utilization of traditional personal credit information.The collection scope and utilization methods of personal credit information under big data are different from the past,and traditional personal credit information protection It is difficult to meet current needs with the use of the legal system.The balance between the protection and utilization of personal credit information has been broken.How to fully protect personal credit information through legal means while promoting its rational use is an important issue in current legal research.At the same time,since the Fourth Plenary Session of the 18th CPC Central Committee,China's personal credit information protection legislation has made great progress,but at present China's personal credit information protection and utilization legal system still has many problems.First,China's current legislation on the protection and use of personal credit information is flawed.Compared with the developed countries and regions outside the region,China lacks a unified personal credit protection law,and in the field of personal credit information protection and utilization,relevant supporting laws and regulations also have deficiencies in regulations and lack of operability.Second,the lack of effective supervision of the protection and utilization of personal credit information under China's big data.Due to the unprecedented expansion of personal credit information due to the use of big data technology,the traditional personal credit supervision system is insufficient to meet the needs of current regulation.Third,the rules for the collection and use of personal credit information under China's big data are not clear,which leads to the excessive collection and disorderly use of personal credit information,and individuals are increasingly losing control over their credit information.Fourth,China's remedy for the rights of individual credit information is insufficient,and it is difficult to obtain effective relief for the violation of personal credit information.This paper focuses on the above four issues.On the basis of analyzing the particularity of personal credit information under big data in the first chapter,through the case study and comparative research methods,the paper puts forward some suggestions on the above four aspects.Through the comparative study on the legislative evolution of personal credit information protection in developed countries,this paper believes that the unified personal information protection law and the special legislation in the field of credit information are in line with the current situation of China,and then propose the establishment of a unified personal information protection agency and credit reporting.The regulatory model that the regulatory agencies work together to provide relevant suggestions for the improvement of personal credit information collection and use rules and the improvement of personal credit information subject relief mechanism,with a view to promoting the full protection and rational use of personal credit information.