On the Private Law Regulation of Personal Credit Information Disclosure
-
摘要:个人信用信息公开与隐私权之间的矛盾，需要通过利益衡量予以解决。个人信用信息的不当公开，将对隐私权造成侵害。个人信用信息公开的内在动因是克服交易主体之间的信息不对称，是信息使用者和提供者之间不同需求的利益博弈。个人信用信息公开与隐私权保护之间的冲突，需要进行利益衡量并通过技术手段予以协调。个人信用信息公开可以抽象为评级符号，并通过经济因素、声誉风险以及社会监督等多种路径予以规制。个人信用信息公开首先要不超越事先设定目的，其次要强调目的与结果的协调，最后需要信息主体的特定授权，进而有效解决二者之间的矛盾。Abstract:The contradiction between the publicity of personal credit information and the right of privacy needs to be solved through interest measurement. Improper disclosure of personal credit information will infringe upon the right of privacy. The internal motivation of personal credit information disclosure is to overcome the information asymmetry between transaction subjects, and it is the interest game of different needs between information users and providers. The conflict between the disclosure of personal credit information and the protection of privacy needs to be weighed and coordinated by technical means. Personal credit information disclosure can be abstracted as rating symbols and regulated through economic factors, reputation risk and social supervision. First of all, personal credit information disclosure should not exceed the purpose set in advance; secondly, it should emphasize the coordination between the purpose and the result, and finally, it needs the specific authorization of the information subject to effectively solve the conflict between the parties concerned.
-
[1] 张继红.个人信用权益保护的司法困境及其解决之道——以个人信用权益纠纷的司法案例(2009-2017)为研究对象[J].法学论坛,2018(3):138-148. [2] 张维迎.信息、信用与法律[M].上海:三联书店出版社,2003:255. [3] 王伟光.利益论[M].北京:中国社会科学出版社,2010:80. [4] 王利明.民法上的利益位阶及其考量[J].法学家,2014(1):79-90. [5] 李朝晖.个人征信中信息主体权利的保护——以确保信用信息公正准确性为核心[J].法学评论,2008(4):31-36. [6] 马特.隐私权研究——以体系构建为中心[M].北京:中国人民大学出版社,2014:22-24. [7] 雷继平.个人征信系统与个人信用信息保护[J].法律适用,2006(1):76-79. [8] 叶世清.征信的法理与实践研究[M].北京:法律出版社,2010:89. [9] 吴元元.信息基础、声誉机制与执法优化[J].中国社会科学,2012(6):115-133. [10] JOHN S,BRIAN H. Reconsidering regulation and governance theory:a learning approach[J]. Law&Policy,2009(31):192-216. [11] KEVIN D,ANGELINA F,BENEDICT K,et al. Governance by indicators:global power through quantification and rankings[M]. Oxford:Oxford University Press,2015:6-7. [12] BIRGITTE E O,KARSTEN E S. Strengthening the enforcement of CSR guidelines:finding a new balance between hard law and soft law[J]. Legal Issues of Economic Integration,2014(41):9-35. [13] 王瑞雪.政府规制中的信用工具研究[J].中国法学,2017(4):158-173. [14] 王青斌.社会诚信危机的治理:行政法视角的分析[J].中国法学,2012(5):46-54. [15] 张晓军.论征信活动中保护个人信用信息隐私权之目的特定原则[J].中国人民大学学报,2006(5):86-91. [16] 张乃根.经济学分析法学[M].上海:三联书店,1995:87. [17] 阿丽塔.美国隐私法:学说、判例与立法[M].冯建妹,译.北京:中国民主法制出版社,2004:65. [18] EUN G P,NATASHA Z. Canadian government agencies develop e-mail management policies[J]. International Journal of Information Management,2008(28):468-473. [19] 郑晓剑.比例原则在民法上的适用及展开[J].中国法学,2016(2):143-165. [20] 姚朝斌.个人征信法律规制比较研究——以信息主体同意权为视角[J].湖北社会科学,2013(9):150-153. [21] 克里斯托弗.欧洲数据保护法:公司遵守与管制[M].旷野,杨会永,译.北京:法律出版社,2008:198. [22] 卡尔·拉伦茨.德国民法通论[M].王晓晔,译.北京:法律出版社,2003:304. -
点击查看大图
计量
- 文章访问数:1445
- HTML全文浏览量:1
- PDF下载量:1240
- 被引次数:0
下载:
