摘要
个人信用信息是能够反映特定个人的信用状况的各种信息资料的总和,在性质上属于个人隐私的范畴。在个人信用信息隐私的立法保护上,主要存在欧盟的统一立法和美国的分散立法两种立法模式。我国个人信用信息隐私保护立法应当立足于我国的实际并借鉴欧盟和美国立法中的合理之处,确立统一立法与行业立法并举的折中模式。通过统一立法确立个人信用信息隐私保护的基本原则和最低标准,并在此基础之上进一步完善个人信用信息隐私保护的行业立法,以健全我国个人信用信息隐私保护的法律体系。
Personal credit information is the summation of various information and data which is able to reflect the credit stand- ing of specific person and has the nature of individual privacy. There are mainly two legislative models in the world for the protection of personal credit information privacy, namely, the centralized legislation in the EU and the decentralized legislation in the USA. The legislation for the protection of personal credit information privacy in China should be based on the reality of China, use the rational experiences of the EU and the USA in legislation for reference, and adopt an eclectic model which attaches equal impor- tance to centralized legislation and industrial legislation. Using unified legislation to determine the basic principles and lowest stand- ards for the protection of personal credit information privacy, and based on this further perfect the industrial legislation for the pro- tection of personal credit information privacy so as to improve the legal system in China in this regard.
出处
《情报理论与实践》
CSSCI
北大核心
2013年第3期20-24,共5页
Information Studies:Theory & Application
关键词
个人信用信息
隐私保护
立法
personal credit information
privacy protection
legislation