个人征信体系中主体信用信息隐私权益保护研究

发布时间：2018-03-05 11:13

本文选题：个人征信　切入点：公民隐私　出处：《云南大学》2015年硕士论文　论文类型：学位论文

【摘要】：现代经济发展的核心在于金融,资金又几乎承载着人们可以想象的所有价值,而信用则成为连接金融和资本的重要桥梁。信用在当今社会的重要价值,体现在它不只限于一种美德,更是一种财富,信用是金钱,信用是资本,良好的信用环境可以促进人流、物流、资金流、信息流等社会资源的有效配置。个人征信暨个人信用征信以个人相关信用信息为支撑,通过数据分析评价个人信用状况,实现影响甚至是否成就个人交易需求的目的。个人征信成为继道德调控社会秩序弱化后的一种新型的社会调控手段,在破解信息技术和工业化推动催生的新的社会信用风险方面发挥了重要作用,促进了金融经济的安全、健康、平稳发展,但其运作过程中不断泄漏的个人隐私信息却逐渐成为公众关注的焦点。笔者将以个人征信中个人信用信息隐私保护为研究对象,结合风险社会的相关理论,探索个人信用信息隐私权益频繁遭受侵害的原因,并试图在传统道德控制力失效的大数据时代背景下,通过重构个人征信主体信用信息隐私权益的法治环境,探索如何进一步进行个人征信信息隐私安全的法律控制,在促进征信行业平稳、健康发展的同时,寻求对信息主体信用信息隐私权益的更加充分的保障。
[Abstract]:The core of modern economic development lies in the financial capital, and almost all people can imagine carrying value, and credit has become an important bridge between the capital and financial credit. An important value in today's society, it not only embodies in a virtue, but also a wealth of credit, money, credit is the capital, good the credit environment can promote the flow, logistics, capital flow, information flow and effective allocation of social resources. Personal credit and personal credit related to personal credit information as the support, through the data analysis and evaluation of personal credit situation, realize the effect even if the achievement of personal transaction demand. Personal credit has become a new social control means the weakening of moral control social order, promote the birth of a new social credit risk in solving the problem of information technology and industrialization play an important role, promote the gold Financial and economic security, healthy, stable development, but the operation of personal privacy information in the process of continuous leakage has gradually become the focus of public attention. The author will take the personal credit in the personal credit information privacy protection as the research object, combined with the theory of risk society, explore the reasons of personal credit information privacy rights frequently violated, and trying to big data of traditional moral control failure under the background of the times, the reconstruction of personal credit information privacy rights through the main credit legal environment, how to further explore the personal credit information privacy and legal control, in promoting the credit industry stable, healthy development of the pursuit of information at the same time, the main credit information privacy rights more fully security.

【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923

【参考文献】