浅论个人信用征信中隐私权的保护由我国银行内部员工泄露客户个人信息谈起.docVIP

随着我国市场经济的发展，我国银行业面临着R益激烈的同业竞争和 客户资源稀缺的问题，在这种情况下，近年来银行客户的隐私权被侵犯时 有发生，信用的地位日益凸现出来。个人信用制度是整个市场经济运行的 基础，虽然在2013年我国相继颁布并实施了《征信业管理条例》和《征 信机构管理办法》，但是H前,我国征信体系的发展当中存在着信用立法相 对滞后、征信管理机构管理混乱、银行内部员工对于保护客户隐私权的意 识较为淡薄、缺乏权利救济制度等问题。鉴于上述问题，本文以工商银行、 招商银行等泄露个人征信报告事件为例，分析了信用征信中个人信息披露 和隐私权保护的冲突与平衡并对两者加以权衡，从完善征信立法，强化机 构管理，提高信息技术，增强行业自律等方面对我国个人信用征信中隐私 权方面的保护所存在的问题提出了儿点建议。 关键词：个人征信；隐私权保护；冲突与平衡 Abstract With the development of Chinas market economy, China’s banking industry is facing increasingly fierce competition in the industry and customer resource scarcity issues. In this case，In recent years，the bank customer’s privacy is violated is always occur, Credit is becoming increasingly important. Personal credit system is the basis of the market economy，While in 2013 China has successively promulgated and implemented the Credit Management Act’’ and ’’credit bureaus management approach’’，but now，there have a lot of problems in credit system, such as credit legislation is lagging behind, credit management organization managing the chaos, the bank’s internal staff Lack of awareness of the protection of customer privacy, lack of the right to relief system. In view of the above problems，In this paper，we take Industrial and Commercial Bank, China Merchants Bank and other revealing personal credit report as an example, Analyzed conflict and balance between the credit personal credit information disclosure and privacy protection, puts some suggestions to the protection of privacy in our personal credit in Perfect credit legislation, Strengthening institutional management, Improve information technologies, Strengthen industry self-regulation. Keywords: Personal Credit； Privacy protection; Conflict and Balance 浅论个人信用征信中隐私权的保护 ——由我国银行内部员工泄露客 户个人信息谈起 一、我国个人信用征信中隐私权保护现状 （-）我国在个人信用征信中对隐私权保护的相关规定 为规范对我国征信行业的管理，国务院于2013年1月21门公布了《征信业管理 条例》，其中第十三、十叫条对保护信用信息主体的权益做出了具体、严格的规定。一 是完全尊重Y信息主体的个人意愿，第十三条屮规定对个人信息（依照法律、行政法 规规定公开的信息除外）的采集必须经信息主体本人同意，否则不得采集。二是对冇 关个人的健康信息，如基因、指纹、血型、疾病和病史等和宗教信仰等意识形态以及 法律、行政法规规定禁止采集的其他个人信息做出