The conflict between the commercially driven behavior of credit agencies and the need for protection of citizens'per-sonal information has created a"chasm"between the two.The traditional black-and-white"diode thinking"is clearly not tenable.Finding a path through this conflict is a challenge faced by the credit legal system.The legitimate basis for the commercially reasonable use of personal credit information lies in its inherent social public nature.Furthermore,with the significant development and expansion of the external credit service market,the judgment on the commercially reasonable use of personal credit information should adhere to common basic principles.For unreleased information,the traditional civil law's"notification + consent"is the judgment standard.In contrast,for legally public personal credit information,the standard is"permissible + exceptions",but it requires a generally accessible principle as the standard for compliance judgment.
关键词
个人征信信息/商业合理使用/合规性
Key words
personal credit information/commercially reasonable use/compliance
维普
万方数据