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诚实信用原则是市场经济运行的基本原则,公民的个人信用度在经济交往中越来越重要。建立个人信用征信体系是维护交易安全、提高交易效率的重要举措。在建立个人信用征信制度的过程中,防止个人信用的不当使用侵犯公民隐私权成为必须关注的首要问题。本文指出针对我国现行个人信用征信隐私权保护现状,我们应当加快立法填补法律空白、明确个人征信制度中隐私权的具体保护措施,同时加强征信监管,建立完善的信用隐私保护法律体系。
The principle of honesty and credit is the basic principle of the operation of market economy. Citizens’ personal credit is more and more important in economic exchanges. Establishing a personal credit reporting system is an important measure to maintain transaction security and improve transaction efficiency. In the process of establishing personal credit information system, it is the primary problem that must be concerned to prevent the improper use of personal credit and infringe on the privacy of citizens. This paper points out that in view of the status quo of the privacy protection of the current personal credit information in our country, we should speed up legislation to fill the legal gaps, clarify the specific protection measures of privacy in the personal credit information system, strengthen credit supervision and establish a perfect legal system of credit privacy protection.