Research On The Excessive Collection Of Personal Credit Information By Internet Credit Bureaus

The development of Internet credit reporting services is based on personal credit information.Internet credit reporting agencies collect and store credit information of a large number of users.In the fierce market competition,in order to gain a competitive advantage,Internet credit bureaus use various methods to obtain more personal credit information.In the process of pursuing the amount of personal credit information,Internet credit reporting agencies often tend to exceed the boundaries of personal credit information collection to excessively collect.The methods of excessive collection of personal credit information by Internet credit bureaus are mainly manifested as: default user authorization during registration to expand the scope of personal credit information collection;use "including but not limited to" and other open terms in the service agreement to expand the scope of collection;The types of personal credit information to be collected are not explicitly listed,but personal credit information is collected secretly through a blanket authorization.The irregularities in the collection of personal credit information by credit reporting agencies reflect the inadequacy of credit information protection and the imperfect supervision mechanism of credit reporting agencies.The proliferation of excessive collection of personal credit information by Internet credit reporting agencies also reflects to a certain extent the inadequacy of my country’s laws on the collection of personal credit information by Internet credit reporting agencies.Mainly manifested in the unclear definition of personal credit information;lack of communication mechanism between credit investigation subjects;lack of industry norms for Internet credit investigation behavior;lack of effective supervision of credit information collection behavior.Different from the traditional credit investigation model,the openness and convenience of Internet credit investigation make the marginal cost of excessive collection of personal credit information of Internet credit investigation agencies very low.It is urgent to regulate the collection of personal credit information by Internet credit reporting agencies.In the United States and the European Union,where the development of the personal credit reporting industry and the personal information protection system are very mature,a series of practices such as clear personal credit information collection authorization standards and multiple regulatory modes have been adopted to regulate the collection of personal credit information by credit reporting agencies.Combining the current situation of personal credit information protection in my country and the development of the Internet credit reporting industry,the regulation can be improved from three aspects: legislating to clarify collection standards,promoting the disclosure of Internet credit reporting agencies,and improving legal supervision,so as to standardize the collection of Internet credit reporting agencies’ credit information.The purpose of the behavior.Specific measures include: further clarifying the scope and types of credit information collected by Internet credit reporting agencies in the "Regulations on the Administration of Credit Reporting Industry";setting up an Internet credit reporting agency information collection relevance filing,establishing a privacy clause filing review system,and unblocking supervision channels to avoid Internet credit reporting agencies use complicated and obscure privacy clauses to expand the scope of collection;establish a separate consent system for sensitive credit information to prevent sensitive information from being collected in general;strengthen the regulatory functions of industry associations and innovate Internet credit reporting regulatory technology to compensate for credit reporting laws and regulations.The lag of the Internet credit investigation model.