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Reference article:
Strike a balance between data collection and privacy protection
? The construction of credit system should not only obtain more data to outline personality characteristics, but also pay attention to protecting everyone's privacy. ? This sentence better points out the direction that the credit system construction of private institutions should adhere to. In the past, China's credit information work was mainly led by the government and banks, but now this practice can no longer meet the needs of social development. It is imperative to open the market and introduce private credit reporting agencies. The key is to balance data collection and privacy protection.
The construction of credit system needs more data to outline personality characteristics. This is because it is difficult for a single credit report to give users a comprehensive portrait and fully understand a person's personality characteristics, moral quality, hobbies and so on. Outline a complete personality trait and provide accurate decision support for management. At present, although China's private credit information system has absorbed more comprehensive Internet credit information, it mainly focuses on shopping consumption and financial credit, and it is difficult to truly reflect a person's credit level from a single angle. Therefore, it is necessary to obtain more data from more angles to outline personality characteristics and improve credit accuracy. For example, collecting personal data in transportation, sightseeing, social networks and public activities can reflect a person's integrity, moral level and civic quality more comprehensively.
The construction of the credit system should also pay attention to protecting everyone's privacy. In today's Internet age, personal information disclosure events emerge one after another. For example, the spam messages we suddenly received on our mobile phones and the sales calls we suddenly received were all caused by personal information disclosure. What's more, inadequate system security measures have led to a large number of users' privacy leaks on some data platforms, which has seriously dampened people's confidence. Therefore, if private institutions want to do a good job in credit information construction, they must pay attention to protecting personal privacy, which not only tests the technical ability of enterprises, but also tests the responsibility and responsibility of enterprises. Only by solving the privacy problems that the people are worried about and letting them have no worries can they gain the trust and support of the people, and the construction of the credit system will have a public opinion base. Conversely, if personal privacy is well protected, as mentioned above, it will be easier to outline personality characteristics with more data.
In order to strike a balance between data collection and privacy protection, it is necessary to strengthen legislation and supervision. It is a new thing for private institutions to do credit investigation, which is bound to face various difficulties such as people's lack of trust, but the construction of credit investigation system of private institutions is the need of the market. At present, only about 1% credit application scenarios have been developed in China. We don't need to be completely blamed for new things. We should treat them with an inclusive eye. The key is to strengthen legislation and supervision, clarify rights and responsibilities, ensure the openness and transparency of open information, and do everything in a reasonable manner. In the United States, credit reporting companies are relatively developed. They collect personal information data and sell them to credit institutions. Consumers have the right to obtain their own investigation reports and copies, and also have the right to supervise credit reporting agencies. At the same time, credit reporting agencies have the right to restrict consumers' credit activities. The success of this operation benefits from the mature system and comprehensive supervision.
The construction of credit system has no beginning, no end, only the starting point and no end. The key is to balance data collection and privacy protection. ? People who don't believe don't know what they can do. Good credit is the virtue we have been pursuing for thousands of years. Nowadays, by building a sound credit system and opening up the market for private institutions to do credit investigation, everyone is a participant and everyone will be a beneficiary.