论个人信用信息公开的私法规制

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。

On the Private Law Regulation of Personal Credit Information Disclosure

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.