金融信用信息基础数据库运行机构法律问题研究-法学专业论文.docxVIP

业机构不限范围，对其他信息使用者仅提供个人负面金融信用信息。在《条例》 业机构不限范围，对其他信息使用者仅提供个人负面金融信用信息。在《条例》 中对金融信用信息基础数据库运行机构的征信业务进行细致具体的规定，一方面 能够促进征信业市场的有序发展，另一方面也能为将来国务院各部委制定部委规 章提供更加明确的法律依据。 对金融信用信息基础数据库运行机构关于跨境数据交换问题的规定，在当今 信息交流全球化的背景下，不宜过于模糊。结合英国、法国对跨境数据提供的规 定，以及借鉴《欧盟一般指令》对欧盟内部成员国之间跨境数据交换的要求，应 当在《条例》中对我国金融信用信息基础数据库运行机构的跨境数据交换问题规 定相应的指导原则和具体程序。这一方面能够促进我国国际贸易业务的发展，另 一方面也为我国防范国际问金融风险提供了法律支持。 关键词：《征信业管理条例》金融信用信息基础数据库运行机构个人信用 信息 II 万方数据 AbstractJanuary Abstract January 2 1，20 1 3，China’S state council issued the credit reporting industry regulations on the administration of the People’S Republic of China(hereinafter referred to as”the regulations”)，since March 1 5，20 1 3．Promulgation and the implementation of the regulations，solve the could not be in accordance with the problems in the development of Chinas credit reporting industry,make up the blank of legal regulation，to better safeguard the legitimate rights and interests of all kinds of information main body,promote the development of credit reporting industry specifications．In recent years．with the rapid development of economy in our country, credit reporting industry is striding forward，the credit market is taking shape，the role of credit legal system has drawn more and more attention．But the regulations about the regulation of our country financial credit information basic database operation mechanism is not clear operational，coordination is not strict,problems such aS unclear positioning function，remains to be perfect． At present in the specific application and implementation of the regulations exist the following problems：financial credit information basic database operation mechanism in our country credit reporting industry market status of fuzzy；Financial credit information basic database operation institutions and private credit bureaus of excessive overlapping credit business；The data collection and use of standard financial credit information basic database operation mechanism Can not effectively protect the commercial secrets and pers