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在个人信用征信的整个过程中,提供者收集到关于相对人的各种信息,并且根据约定或法定的方式提供给合法的信用征信机构:个人信用征信机构按照信息提供者的要求提供相关的信用评估报告。上述过程中,存在着两方面的利益,一个就是个人对其自身信息享有的隐私权、安全权等,一个就是提供者、征信机构,以及社会对个人信用的期待的要求,文章从上述两方面,从个人信用征信与隐私权冲突与规制、我国个人征信中隐私权保护的规范性问题等进行评述。
In the whole process of personal credit reporting, the provider collects various kinds of information about the relative and provides it to a legal credit reporting institution according to the agreement or statutory law. The personal credit reporting institution provides the personal credit information as requested by the information provider Related credit rating report. In the above process, there are two interests, one is the privacy, security rights and so on that individual enjoys to one’s own information, one is the provider, the credit institution, as well as the social expectation of personal credit, the article from the above two From the aspects of the conflict and regulation of personal credit reference and privacy, and the normative issues of privacy protection in personal credit reference in our country.