Research On Legal Protection Of Personal Credit Information Sharing In Internet Finance

The development of market economy and Internet technology makes the value of personal credit information in Internet finance higher and higher.In the face of the phenomenon of long-term borrowing,low default cost and fraudulent borrowing caused by the lack of sharing of personal credit information in Internet finance,who can grasp the personal credit information more completely and accurately can accurately assess a person's credit and reduce the transaction risk.The Internet finance field has become the "hardest hit" for information disclosure.The security of personal credit information has become the focus of attention of the whole people,and it is also an important part that must be firmly grasped in the process of building a credit society.As an information-mediated platform,Internet finance needs to fully protect the personal credit information sharing in Internet finance by ensuring the security and efficiency of personal credit information sharing.However,China's legal protection of personal credit information sharing in Internet finance still has problems such as non-standard sharing mode,unclear collection range,and incomplete regulatory system.Compared with the countries and regions with relatively perfect credit reporting industry in the United States,the European Union,Japan,etc.,there are still some shortcomings in the legal construction of personal credit information protection.We can learn from the advanced in legislation and enforcement.Some experience to promote the protection of personal credit information.This paper proposes suggestions for improving the legal protection of personal credit information in Internet finance from the three aspects of mode,scope and responsibility enhancement.The legal protection model of personal credit information in China's Internet finance can draw on the advantages of extraterritorial national and regional legislative models,and choose a compromised protection model.That is to say,based on the special "Personal Information Protection Law",and then industry legislation and industry self-discipline.The form is complemented.At the same time,the legal protection of personal credit information sharing inInternet finance needs to clarify the methods and scope of collection and sharing,and also implement the obligation of prior notification of bad information.The responsibility of legal protection of personal credit information in Internet finance is strengthened in terms of accelerating the legislative work of personal credit information protection,implementing regulatory responsibilities,improving the effectiveness of supervision,and improving the rights protection and relief system of information subjects.Only by implementing the model,scope,and responsibility enhancement can we improve the effectiveness and value of information sharing,protect information security,and make personal credit information in Internet finance play a more important role in the credit era.