欧盟国家征信立法中对信用信息主体权益的保护及启示

如何保护信息主体的合法权益是征信立法的核心问题之一。欧盟各国在《欧盟数据保护指令》的统一指导下,制定了在具体规定上各具特色但总体原则一致的信息主体权益保护法,其在信用信息的采集范围、采集程序、保留期限、使用目的、跨境流动的法律约束以及信息主体的知情权、异议权等方面的规定值得我国借鉴,建立我国信用信息主体权益保护制度应遵循平衡保护、直接保护、可操作、权责分明等原则。

Lessons from Credit Legislation of EU Countries on Protection of the Rights of the Credit Information Agents

Protection of the legal rights of information agents is a key issue in credit legislation. Under the guidance of The EU Data Protection Directive,EU countries constitutes protection laws about rights of information agents,which varies in specific rules but is consistent with the geneal principle. Those laws set rules and restrictions on credit information collecting (collecting range,collecting procedure,retention period,using purpose and cross-border flows),the information agents’ right to know and to appeal,etc. It is worthwhile for China to draw lessens from those rules and restrictions. To establish the protection system of the rights of information agents in China,we should follow the principles of balanced protection,direct protection,feasibility,clear division of rights and responsibilities.