Research On The Legal Mechanism Of Personal Credit Information Protection

With the advent of the information age,information has become an important resource,and the information industry has also arisen.The rapid development of the credit information industry has increased the rate of information circulation,and the problems in the protection of personal credit information have become increasingly prominent.The credit economy has put forward new demands on the opening and use of personal credit information,and has also brought new challenges to the protection of personal credit information.How to protect the rights of personal credit information subjects in information opening has become an important issue.This paper starts with China’s background and legislative status,analyzes the existing problems,and compares and analyzes the relevant international regulations.Finally,it puts forward suggestions for protecting personal credit information in credit reporting activities from various aspects.The full text is divided into six parts.The introduction part mainly explains the important value and significance of protecting personal credit information for economic and social development in the context of credit economics.The first part mainly analyzes the theories related to the protection of personal credit information,including the definition of related concepts,legal attributes and the protection of rights of information subjects.Personal credit information should be protected by the uniformity of personality rights and property rights because of its personality attributes and property attributes.The protection of the rights of credit information subjects is mainly based on the two basic rights of privacy and credit rights,which are embodied in the right to know,to inquire,to object,to correct and to remove.The second part analyzes the necessity of personal credit information protection from three aspects: the opening of personal credit information,the construction of credit information system and the formation of credit information environment.The third part and the fourth part mainly analyze the status quo of personal credit information protection at home and abroad,and point out the shortcomings of China’s current laws and regulations,credit law system construction,credit information subject rights protection and credit repair.The fifth part puts forward the protection of personal credit information from the above-mentioned deficiencies,combined with the actual situation in China and drawing on the mature experience of foreign countries,fromthe introduction of relevant legislation,the formulation of legal system,the protection of subject rights,the improvement of personal credit repair and the development of self-regulatory organizations.The perfect path.