互联网征信中个人信息权益保护探析

互联网金融带来了征信业务需求的与日俱增，也带来了大数据背景下互联网金融个人征信行业的兴起与发展。我国现有征信行业的法律监管体制一方面滞后于时代发展，无法适应个人征信的互联网模式，另一方面存在信息主体权益保护的法律监管不到位的问题，故而亟待加快完善和构建出全新的互联网金融个人征信的法律监管体系，健全法律监管体制下信息主体的合法权益保护制度。

A Century of Consumer Credit Reporting in America

The Internet finance augments the demand for Credit Investigations and simultaneously innovates the development of the Individual Online Credit Investigation in the context of Big Data. The current legal supervision system on the credit investigation industry lags behand the industry development and cannot apply to the mode of Individual Online Credit Investigation. In addition, the protection of information subject's right lacks legal supervision, which results in an urgent need for building a brand-new and well-designed legal supervision system on the Individual On-line Credit Investigation and consummating the protection of information subject's legal right under a good legal supervision system.