Research On The Supervision And Protection Of Personal Credit Information By The People's Bank Of Chin

On December 25,2020,Chen Yulu,deputy governor of the People’s Bank of China,said at the State Council’s regular policy briefing,"More and more evidence shows that the development of China’s credit market will usher in a golden period of development." In recent years,my country’s personal credit reporting industry has developed rapidly.Credit reporting information is widely used in many fields such as finance,employment,and risk investigation.The society attaches more and more importance and recognition to personal credit reporting.The People’s Bank of China takes "credit reporting for the people" as its foothold,effectively implements the "government + market" two-wheel drive credit reporting system,and continuously forms a "national + local" development strategy.At present,my country has established the world’s largest personal credit information basic database,which largely solves the problem of information asymmetry between creditors in the financial sector,and provides strong support for inclusive finance.However,with the development of the industry,some problems have also been exposed.Staff inquired about credit information in violation of regulations,illegally obtained and sold personal credit information and other infringement issues,and the credit information market was frequently chaotic and easy to occur.At the same time,the theory of credit reporting rights protection is imperfect,the means of supervision are single,and the shortage of grass-roots supervisors also affects the effectiveness of credit reporting supervision to a certain extent.The society has put forward higher requirements for the security management of credit information.As the credit supervision department,the People’s Bank of China can improve the theoretical system of credit investigation while promoting the continuous development of the field of personal credit investigation,and effectively use supervision methods to safeguard the rights and interests of personal credit investigation seems very important.This paper takes the central branch of the People’s Bank of China in a certain city as the main research object.On the basis of analyzing the development of credit reporting in the region,this paper clarifies the infringement risk points found in the process of credit reporting supervision,and finds the current credit reporting supervision through case analysis and questionnaire surveys.Protect the existing problems in system construction,internal supervision and control mechanism management,supervision and inspection,etc.,and analyze the causes of the problems in depth.By learning from the advanced practices of personal credit reporting supervision and protection in other regions,explore and optimize credit reporting supervision methods and improve the regional credit reporting information security management level.