Research On The Security Supervision Of Personal Credit Information

In 2013,the State Council promulgated the "Regulations on the Management of Credit Information Industry",and China’s credit information industry finally broke the "unable to rely on" situation.In2015,it was called "the first year of the Internet." Internet finance flourished.International and domestic countries faced a severe situation in the supervision of personal credit information security,and the data demand for credit information expanded dramatically.This thesis uses the theory of information asymmetry as the theoretical basis to analyze the current state of credit information security in the country,taking Jiaxing City as an example,in-depth research on the current status and problems of personal credit information security supervision,and analyzes the reasons.Give reasonable supervision suggestions in the context of the Internet era.This thesis adopts five methods,including literature research method,questionnaire survey method,case analysis method,comparative research method and interview method.By analyzing the processing of personal credit information objections in Jiaxing City from 2013 to 2018,this thesis collects and organizes 897 citizens of Jiaxing City personal questionnaire surveys and in-depth questionnaires of 35 banking financial institutions have formed a scientific understanding of personal credit information security supervision issues,and extracted empirical inspirations suitable for China’s national conditions.Through a comparative analysis of the above five methods,this thesis finds that there are four problems in the supervision of personal credit information security: the legal system is still not perfect,single supervision methods and standards,increased supervision risks,and weak awareness of personal information subject’s rights.The main reasons are four: lack of supervision system,lack of standards for supervision content and insufficient staffing,low management authority of supervision institutions and incomplete supervision scope.Further,this thesis analyzes the current status,problems,and causes of personal credit information security supervision,and draws on the historical experience and practices of developed countries such as the United States and the European Union.It is concluded that in the current social environment in China,the legal system needs to be further strengthened,including strengthen the construction of the credit information security management system and the legal environment;further strengthen the application of supervision methods,including promoting the standardization of credit information security supervision,strengthening Internet supervision methods,and penetrating supervision;further enriching the supervision content,including establishing a unified supervisory suggestions on the big data credit information platform,strengthening the punishment,strengthening the construction of talent team and strengthening the construction of credit information security culture.