| At present,China’s personal credit reporting industry is still in its infancy.Institutions involved in personal credit reporting services need to make extensive use of new technologies.The new format has fully integrated many fields such as big data information processing,network information technology,credit reporting,and finance It has the remarkable characteristics of rapid development and large amount of information.The use of big data for personal credit reporting is a new form of credit reporting,which not only supplements the traditional personal credit reporting before,but also avoids some potential crises in the progressive financial market.But related problems are also constantly exposed.With the deepening of practice,in the regulatory system,the existing regulations have more principled regulations in terms of specific regulatory implementation,and the current system is less effective.At the same time,the impact of the”blacklist” of credit investigations has become more and more extensive,but we still lack clear boundaries in law,resulting in a little confusion in the application.On the other hand,the People’s Bank of China and its The regulatory mechanism adopted by branches for traditional credit reporting,and the previous regulatory framework,are not clear about a series of processes for information collection and processing,technical models,and product use of the new type of personal credit reporting.Difficult to monitor and manage comprehensive risks.Personal credits,which are constantly adopting new technologies,are very fast in obtaining and analyzing data,and the cost is relatively low,which is very different from the past.The People’s Bank of China uses traditional supervision methods for personal credit information,which leaves a lot of loopholes in supervision,which has led many institutions to conduct personal credit business in violation of regulations,or although there is no name for "credit",the collection of credit information will lead to Unauthorized institutions collect and process a large amount of personal information at the same time,and at the same time,individual customers are deceived and difficult to distinguish between true and false,resulting in damage to rights and interests,and also adversely affects the orderly development of the industry.Therefore,there are system problems such as incomplete laws and regulations,inadequate internal mechanisms of the regulatory agency,backward monitoring methods of new personal credit agencies,and inadequate protection of individual subject rights and interests.Obviously,the emergence of these problems can no longer play a role in promoting the development of the industry.positive effects.Under normal circumstances,the supervision system and the supervision object should interact with each other and cross-promote,gradually spiraling upward,that is,the progress of credit reporting agencies promotes the improvement of the supervision system,and the updated supervision system promotes the credit industry.Corresponding innovations of various institutions.The continuous and rapid development of the personal credit information industry and the establishment of a comprehensive legal system for the supervision of personal credit information are mutually reinforcing.But at present,our regulatory system still has major deficiencies,and there are still many issues to be resolved.Therefore,in view of China’s personal credit information situation,how to better serve the development of the regulatory system,how to keep pace with the times in terms of means and measures,to achieve innovation and breakthroughs in the regulatory level,and to establish a sound social credit system in the system.Escort has become an important issue for regulatory authorities.The full text is divided into four parts.The first part starts with an overview of personal credit supervision in China,analyzes the current concepts,characteristics and necessity of supervision of personal credit supervision,and elaborates the necessary concepts and relationships among them.The second part introduces the institutional model of China’s personal credit information supervision,summarizes the policy evolution process since the development of China’s credit information industry,and introduces in more detail the supervision model and selection basis adopted by China’s personal credit information industry supervision agency,and sorts out Supervising the various aspects of the personal credit information field,thereby finding problems in the supervision system.The third part analyzes the problems existing in the supervision process of different subjects based on the existing problems of incomplete laws and regulations,inadequate internal mechanisms of the supervision subject,backward supervision methods,andinsufficient protection of the personal rights and interests of the information subject.According to the steps of raising questions,analyzing questions,and solving problems,in the fourth part,in order to improve the legal system of personal credit supervision,express the corresponding solution suggestions,including at the legislative level,with the crux of the problems raised in the previous chapter.To improve laws and regulations and upgrade the legislative level,it is necessary for the supervisory authority to improve the internal mechanism of the supervisory agency,for the credit bureau to improve the supervision method,and to improve the privacy mechanism of the data subject for the information subject.With a view to playing a better guiding role in building a social credit system and establishing a personal credit supervision system that is truly suitable for the development path and direction of China’s credit agencies. |
