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征信活动,涉及数据的征集、处理和使用,而数据的全面性决定了征信报告的权威性。经我国政府多年推动,现已逐渐形成覆盖面较全的公共信用信息数据库和金融信用信息数据库。然而,近年来,基于信息孤岛现象严重,我国征信行业面临着难以深化发展的困境,而数据共享机制不完善则是困境产生的重要原因。从征信活动参与者间关系的角度切入,可明晰数据共享参与者面临的具体难题,一方面是商谈机制的缺失,另一方面是保护机制的缺位,必须结合理论分析和总结国内外经验,建立适合我国国情的商谈机制以及数据主体保护机制。
Credit investigation activities involve the collection, processing and use of data, and the comprehensiveness of the data determines the authority of the credit reporting. After years of promotion by our government, it has gradually formed a comprehensive coverage of the public credit information database and the financial credit information database. However, in recent years, due to the serious phenomenon of islanding information, the credit information industry of our country is confronted with the dilemma of hard-to-deepen development. The imperfect data sharing mechanism is an important reason for the dilemma. From the point of view of the relationship between the participants of the credit activities, we can clarify the specific problems that the data sharing participants are facing. On the one hand, the lack of negotiation mechanism and the absence of the protection mechanism on the other hand must be combined with theoretical analysis and lessons learned both at home and abroad , Establish a negotiation mechanism suitable for China’s national conditions and a data subject protection mechanism.