摘要：在我国的市场经济中，信息不对称的情况愈发严重，使得市场交易风险丛生，征信业也因此而日渐兴旺。然而，个人征信与个人隐私权的保护之间却有着难以避免的矛盾。据人民银行提供的数据显现，在我国，截止2012年年底，个人征信系统收录自然人数已有8.2亿，其中拥有信贷账户的近2.9亿人，如若信息一旦泄露，后果不堪设想，不仅会侵犯到个人的隐私权，还会削弱征信机构的公信力。如何更好的保护个人征信活动中的个人隐私权就变得日趋重要，然而回首我国目前的征信体制和相关的法律，对个人隐私权的保护还不尽如人意。在此背景下，本文将采用比较分析、实证分析以及归纳法等多种分析方法对我国个人征信数据隐私保护中存在的问题进行分析，并通过对比分析其他国家有关个人征信隐私保护的法律，再结合我国立法现状，对未来征信立法和相关监管方面该如何保护消费者的隐私权提出建议。
关键词：征信；隐私保护；法律对策
Abstract：In the marketing economy of China, the situation of information unbalance has been worse, leading to the increase of dealing risks and the gradual prosperity of credit investigation industry. However, there is the inevitable contradiction between personal credit and personal privacy protection. According to the data from People's Bank of China in the end of 2012, in China, 820 million people have been recorded in the system of personal credit investigation besides 290 million people having credit accounts. If the information leaks, the consequences are unthinkable. Because it not only violates the personal privacy right, but also weakens the public trust of credit investigation service. It's gradually important how to protect personal privacy protection in the activities of personal credit. Nevertheless, dating back to the system of credit investigation and relative laws, the personal privacy protection is not satisfied. Under the circumstances, the thesis will use various analysis methods such as comparative analysis method, empirical analysis method and induction to analyse the problems existing in the privacy protection of data of personal credit investigation and combining the current situation of Chinese legislation to give some suggestion to the future credit investigation and relative regulatory about how to protect the privacy right of consumers through comparing and analyzing the relative law of personal privacy protection of credit investigation in other countries.
Keywords: credit investigation; privacy protection; legal suggestion
