信用資訊與隱私權保護--由信用資訊之揭露與隱私權之衝突檢討個人信用資料保護法制

Credit information and right of privacy protecting--Examined personal credit information protection legal system by the conflicts of credit information and right of privacy

賴敏慈(Min-Tzu Lai)

指導教授 ： 劉連煜

中原大學/商學院/財經法律研究所/碩士(2005年)

https://doi.org/10.6840/cycu200500471

摘要

摘要

隨著社會發展、金融交易商品不斷推陳出新，傳統隱私權之概念日益產生變化，範圍亦日漸擴張，因應此一趨勢之發展，「金融隱私權」之觀念應運而生；所謂金融隱私權，指信用資訊之持有者（通常係指消費者或當事人）對與其信用或交易相關之訊息所享有之控制支配權，此種權利亦具有財產利益之資訊，以信用資料為核心，包括資料所有人經濟與財務於市場交易狀況方面之訊息；以現今社會情況言之，個人基於保護個人隱私之考量，對揭露自己之信用資料通常會存有相當之疑慮，甚或擔憂銀行會因為得知個人之信用資料而對其信用交易之申請等產生不利之影響。然而，若以金融業之立場而言，個人於信用資訊機構中存在之資訊若付之闕如，仍不認為其具有良好債信。以我國而言，個人信用若完全不揭露，僅將其列為中度信用；但於信用資訊發達國家中，個人信用若完全空白，則信用程度為零，且易被認為有隱藏重大債信不良之可能。信用與隱私，恰似一條兩端相互拉扯的線，如何在其間取得其微妙之平衡點，借鏡先進國家相關之立法，並健全我國消費者信用與隱私保護之制度，實為當務之急。
本論文共分五章，第一章緒論，第二章係針對信用資料之定義及信用資訊機構總論為介紹，敘述信用資料之定義及功能及美國、日本、中國大陸主要之信用資訊機構設立背景及發展概況，第三章係針對前述國家之信用資訊業相關法規、或個人資料保護法加以介紹，第四章則以他國法制對照我國法制現況，以立法技術層面、蒐集處理要件、資料之利用、當事人權利保護及資料保護之監理等進行論述，期對我國未來修法方向提供建議。

關鍵字

隱私權 ； 信用資訊機構 ； 信用資訊 ； 個人資料

並列摘要

Abstract

As the social development, financial transaction goods are weeding out the old and bringing forth the new constantly, the concept of the traditional right of privacy is produced and changed , the range is also expanded day by day, the development of this trend, the idea of ' the right of financial privacy arises at the historic moment. Financial privacy, means the right of disposition of control in information right to be correlated with credit or the trade of holder (usually consumers or the party ) of meaning credit information, this kind of right also has information of interests of property, regard credit information as the core, including the owner's economy and information in the marketing state of financial affairs ; By nowadays social situation,consumers , because of protecting individual privacy, there will usually be suitable doubts in disciosing individual credit informations, even worry the amount that the bank will borrow money to it because of learning the personal credit materials , apply for the credit card etc. and exert an unfavorable influence. However, if as for position of financial circles, Such as like pair of the information that individual exists in the information organization of credit, do not think that it has good debt letter yet. As for our country, if personal credit reveal at all, only his one degree of credit of classifying as; But in the information developed country of credit, personal credit is like the complete blank, then the creditworthiness is zero, and easy to be thought to have possibility of hiding the great debt with bad letter. Credit information and pravicy, just like a line that both ends drag each other, how to obtain its delicate equalization point during that time, draw lessons from the legislation that the advanced country is correlated with, and perfect the system that consumer's credit of our country and personal secrets protected, it is the task of top priority in fact.
This thesis divides into five chapters, chapter one is a preface, chapter two introduces the definition of the credit information and credit bureau, and American, Japan, China's Mainland main credit bureau, narrating it’s background and development overview, chapter three introduce the law to the relevant regulation of credit bureau, or the personal data protection law of the above-mentioned country, contrast the present situation of legal system of our country with the legal system in other country. in the fourth rule and regulation, it is getting more technological in order to legislating aspect, collecting important document of dealing with of, the materials one with, as one argumentation in party right protection and management where materials protect ,etc., issue build legal environment to offer suggestions future to our country.

並列關鍵字

credit information ； right of privacy ； privacy ； credit bureau

參考文獻

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