It can be seen from the diversification of credit information content and sources of credit reporting companies that credit reporting companies gath
It can be seen from the diversification of credit information content and sources of credit reporting companies that credit reporting companies gather the credit status information of enterprises and individuals scattered in all corners of social life and various institutions to form a data file that can comprehensively, truly and in detail reflect the credit behavior of enterprises and individuals; On this basis, according to the credit information, it is processed into credit information products such as credit reports and fed back to various credit institutions and other credit subjects. It can be seen that credit information service is based on a comprehensive grasp of credit information, and credit information resources have become an indispensable material basis for credit information activities.
The use and sharing mechanism of credit information is the institutional guarantee of credit investigation activities.
As mentioned above, the content of credit information covers a wide range and its sources are complex, and many very sensitive issues will be involved in the process of collection and use, such as business secrets of industrial and commercial enterprises, personal privacy of consumers, secrets involving national security and so on. If there are no clear legal provisions on the collection of credit information, credit reporting companies will encounter many obstacles in information collection and even fail to collect the credit information they need. More importantly, if the use of credit information is not restricted, it will be abused by credit reporting companies, which will endanger the fair competition of industrial and commercial enterprises, the legitimate rights and interests of consumers and even the information security of the country. Therefore, standardizing the collection and use of credit information has become the core content of the construction of credit information system.
From the experience of the United States, the collection and use of credit information need to be regulated by relevant laws and regulations from five aspects. First, use basic information laws, such as the Freedom of Information Act of the United States, to standardize the basic behavior norms of various information subjects in the whole society, so as to create a good information environment.
Second, laws and regulations on special credit information such as government information, business secrets and personal privacy can meet the reasonable demand of society for special credit information, protect the legitimate rights and interests of enterprises and consumers, and guarantee the information security of the country according to law. For example, the US government has formulated and implemented a series of laws and regulations, such as the Sunshine Federal Government Law, the National Security Law, the Enterprise Law, the Privacy Law, the Uniform Trade Secrets Law, etc., requiring government agencies, enterprises, individuals and other organizations to disclose and disclose all kinds of information they hold or reflect their own situation, and strictly protect information involving national security, trade secrets and personal privacy. This information disclosure system provides a good information environment and rich information sources for credit services, and provides the necessary information foundation for credit services.