论文部分内容阅读
有必要对人民银行征信中心的法律定位进行明确,由征信中心对外承担有关征信信息处理过程的法律责任,以避免机关法人权责不明晰的情况。2013年3月15日《征信业管理条例》出台,对个人征信业务查询环节的管理逐步走上法制化轨道。然而,由于细化的操作措施尚未台、新的业务不断推动,在个人征信业务查询中也存在着查询过程中隐私权保护不到位、委托查询不规范以及司法查询界定不清等问题,应引起相关部门高度重视。
It is necessary to clarify the legal orientation of the PBC’s credit reference center and assume the legal responsibility of the credit information center for handling the credit information processing in order to prevent the legal rights and responsibilities of the legal entities from being unclear. On March 15, 2013, the “Regulations for the Administration of the Credit Information Industry” were promulgated, and the management of the personal credit information service link gradually took the legal track. However, due to the fact that refined operational measures have not yet been implemented and new businesses are constantly being promoted, such problems as the protection of privacy rights during the inquiry process, the non-standard commissioned inquiry and the unclear definition of judicial inquiries also exist in the inquiry of personal credit information services Cause the relevant departments attach great importance.