Comparative Study of the Protection of Personal Credit Information

摘要

Personal credit information is basic materials of credit reports, and it is used to assess personal credit status. Personal credit information will affect not only the results of social economic activities that the information subjects participate in, but also the aggregate scale of the consumer credit and the liquidity of financial institutions' assets. In addition, individual with perfect personal credit information is easier to achieve good job opportunities than others. As an inevitable result, the transparency of personal credit information will help the data subject a lot in the modern economic society. However, most personal credit information is private information too, which relates to personal privacy rights and personal interests. Abuse of the private information will disturb the information subjects' normal life, and perhaps lead to seriously violation to personal privacy. Therefore, the widely use of personal credit information will bring the data subject much dangers of violating of private life. For this reason, personal credit information needs much protection. Many countries have already paid much attention to the protection of personal credit information. This paper will give a comparative study of the protection of personal credit information, and analysis its influence to economy.