摘要
征信市场的准入监管作为实现征信市场数据治理目标的事前监管,在构建监管模式时应充分发挥维护市场秩序、保障征信数据高效流通利用的法律价值。针对当前征信市场的供需不平衡等现象,监管部门可以吸取主体监管制度的优势,规范征信机构行使数据权利、履行数据安全保护义务,并通过行为监管规制征信机构开展业务时采集和处理征信数据的行为,构建征信市场的综合准入监管模式,立足分级分类的监管思路,明确审慎地配置征信数据的各项权利。
As ex ante regulation for realizing the data governance objectives of the credit market,the access regulation of the credit market should give full play to the legal value of maintaining market order and guaranteeing the efficient circulation and utilization of credit data in the construction of the regulatory model.In view of the current imbalance between supply and demand in the credit market,the supervisory authorities can draw on the advantages of the subjective supervision system to regulate credit investigation agencies in exercising their data rights and fulfilling their obligations of data security protection.They can also exercise behavioral supervision on credit investigation agencies in the collection and processing of credit data,build a comprehensive access supervision model for the credit market and,based on gradable and classified supervision,explicitly and prudently configure the rights of credit data.
出处
《西北工业大学学报(社会科学版)》
2025年第3期129-136,共8页
Journal of Northwestern Polytechnical University(Social Sciences)
基金
教育部哲学社会科学研究重大课题攻关项目“数据法学内容和体系研究”(20JZD020)。
关键词
征信市场
征信数据
征信机构
综合准入监管
credit market
credit data
credit investigation agency
comprehensive access supervision model
作者简介
李爱君,女,山东曲阜人,中国政法大学互联网金融法律研究院院长,教授、博士生导师,研究方向为经济法、金融监管、数据法;郭家琪,女,河南安阳人,中国政法大学数据法治研究院博士生,研究方向为数据法、金融法。
