The Study About Protection Of Financial Privacy In Internet Credit Investigation

In 30s and 40s twentieth Century,the credit acquisition industry gradually expanded from the commercial field to the financial field.The modern credit collection system is an organic part of the modern financial system,a sound credit collection system,a solid foundation for financial stability and an important symbol of the development of the market economy.In recent years,with the vigorous development of Internet technology,Internet finance has gradually entered the field of vision,and Internet credit has also come into being.The development of credit industry in China is relatively slow,and the credit industry is mainly led by the people’s Bank of China.In January 2015,the people’s Bank issued a "notice on the preparation of a good personal credit business",which required eight companies,such as sesame Credit Management Co.,Ltd.,and other companies to do a good job in the preparation of personal credit business according to the regulations on the management of the credit industry and the management methods of the credit agencies.The eight credit agencies in the notice are closely related to the Internet in various aspects of the business development model and the nature of the institutions.There is no doubt that Internet credit has accelerated the development of the Internet financial industry in our country and perfected the system of credit acquisition in our country.However,the existing regulations of the regulations on the management of the credit industry in our country mainly regulate the traditional credit collection,and many of the regulations are not applicable to the new model of Internet credit based on computer technology.The legal supervision is in a vacuum;in addition,the application of Internet credit to large data,cloud computing and other technologies has the characteristics of convenient and extensive credit acquisition,and the personal rights of the trusted person are mor e vulnerable to infringement.From the value orientation,this is the contradiction between the personal interests and the public interest of information sharing.From the level of rights,the public interests should be based on the proper protection of ind ividual interests.Therefore,it is necessary to analyze the current legislative situation of the right of financial privacy in China’s Internet credit,balance the conflicts between the Internet credit and the right to financial privacy,and introduce some of the more typical models in the world,and dig out the significance of these successful experiences to our country.Finally,combining the actual situation of our country,this paper proposes to solve the conflict between the Internet credit and the right o f financial privacy,and improve the construction of the credit system in China.One is to clear the three principles of protecting the right of financial privacy in the legislation of the Internet credit collection,that is,the principle of interest balance,legitimate and reasonable and informed consent,and still can use the principle to prevent the law on the basis of the undefined legal provisions.Loopholes,balance the public interests and individual interests;two is to improve the legal system of the pr otection of the right to financial privacy in the Internet credit,specify the way and scope of information collection,clear the use and preservation of financial privacy information,and ensure the right to dissent the financial privacy subject to the cred it information;three is to take effective risk prevention legal countermeasures,the Internet credit implementation Effective supervision,constantly improve regulatory framework,strengthen government regulation and industry self-regulation system,with a view to Internet credit,promote the sustainable development of Internet finance.