| Credit is not only a moral and economic issue,but also a legal and social issue.With the progress and development of big data technology,personal credit score is becoming more and more popular in China.Personal credit score from the economic field further expanded to the field of social life,the range of data collected has also been expanding.Under the background of various types of personal credit scoring and different application models in China,we must face up to the dilemma of the current legal regulation and actively seek the way to solve it.The existing personal credit scoring models in China are mainly divided into three categories,including the credit scoring of the Central Bank Credit Reporting Center,the personal credit scoring of local cities and the personal credit scoring of the Internet,there are different types of personal credit scoring mechanisms and their application scenarios.At the same time,different scoring mechanisms also contain various legal risks.In the course of application,also often because the supervision mechanism is not perfect and so on reason,causes constructs the credit high wall,the credit score vulnerable group's rights and interests can not obtain the safeguard.In the face of the legal risks of the existing personal credit scoring mechanism and the various problems that frequently occur in practice,we must start from the concrete question,distinguish the big data time credit score and the related concept,to further deepen the understanding of the basic theories of personal credit scoring.In order to balance the application of personal credit scoring with the protection of individual scoring rights and interests,we should resolve the existing conflicts from three aspects: upgrading the level of legislation,perfecting the management model and perfecting the relief mechanism,to explore the effective legal regulation path of personal credit score in the big data era,and to promote the construction of good faith China. |
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