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Distinguished guests, experts, ladies and gentlemen:
In April Beijing good time, credit bureau, the people’s Bank of China World Bank Group International Finance Corporation, APEC Business Council co sponsored International Symposium on the protection of personal information and credit management, experts from around the world gathered together to study the problems of personal information protection and its important significance for the development of credit industry norms. First of all, please allow me, on behalf of the people’s Bank of China, to extend my warm welcome and sincere thanks to all the guests, especially those who have come from afar!
Take this opportunity today, I would like to talk about three points for your reference.
First, the importance of strengthening the protection of personal information has become increasingly prominent.
First of all, to strengthen the protection of personal information is an urgent need to safeguard the vital interests of the public in accordance with the law. On the legal attribute of right, the characteristics of personal information right has the right personality, as important as personal portrait, name and the right of reputation; at the same time, with the development of economy and society, the right of personal information is also gradually has the attribute of property rights, ownership, usufruct, power etc.. The idea that information is wealth, information is competition has been recognized and valued by the public and the market. Therefore, the protection of citizens’ personal information is the protection of the basic rights of citizens, personal wealth and competitiveness.
Secondly, strengthening the protection of personal information is an urgent need to promote the innovation and development of digital economy. With the rapid development of large data, cloud computing and other digital technology, personal information is being applied in large-scale electronic, digital and industrialization, the breadth and depth of personal information collection development, information flow has broken through the limit of the region and the industry. The exploitation and utilization of personal information is of great significance to the development of digital economy. In this context, the protection of the wall and only build a strong personal information security, in order to lay a solid foundation for the sustainable development of the digital economy.
Third, to strengthen the protection of personal information is an urgent need to actively respond to public information leakage. At present, due to various reasons, China citizens’ personal information leakage caused by network infringement, fraud and other illegal activities showing multiple trend in some places and areas, not only seriously affected the daily life of the citizens, but also affect the social long period of stability. Regulatory authorities need to increase the protection of personal information in accordance with the law, the public to enhance their own personal information and awareness of self-protection awareness, effectively curb the spread of illegal activities of the public information on the crime.
Second, the people’s Bank of China earnestly perform their duties, take a variety of measures to strengthen the protection of personal information in the field of credit.
The people’s Bank Supervision Department of the State Council as the credit industry, in the performance of credit management functions, and always will be the subject of legitimate rights and interests of the maintenance of information as the core concept of supervision, in five aspects of efforts, and achieved positive results.
First, to promote the establishment of a credit system covering the whole society. In the credit system, in order to protect the interests of the parties involved in the sharing of personal information to enjoy the greatest benefits, the need to promote the establishment of the national level to cover the whole society credit system. The people’s Bank to conscientiously implement the important instructions of general secretary Xi Jinping on to establish a credit system covering the whole society spirit, study and formulate the top-level design and overall planning of the development of China’s credit market, give full play to the positive role of government and market – driven, promote the advantages of dislocation development, complementary types of credit institutions, to promote credit service the social life of the economic and financial fields, the field of administrative and judicial field full coverage, and earnestly safeguard the rights and economic and financial safety.
Two is to improve the credit system. In 2013, the State Council promulgated the Regulations credit management, give the information subject of the right to dissent and relief rights, the legitimate rights and interests, protection of information subject guide credit industry standard development, promote the construction of social credit system and other aspects, have milepost significance. Since the release of the Regulations, the people’s Bank of the deepening credit legal system construction, the introduction of the credit management measures, credit institutions and regulatory guidelines for enterprise credit bureau for the record management approach and a series of supporting system and industry standards, always put the protection of the legitimate rights and interests of the information system as the starting point and design foothold.
Three is to continuously improve the intensity and effectiveness of regulation. On the one hand, to strengthen the supervision of responsibility of information disclosure, illegal reselling of customer data occurred in the national financial credit information database access mechanism, credit institution and its main responsibility person, severely punished according to law, to effectively play the role of industry regulation. On the other hand, through the supervision and guidance of financial institutions to do a good job in the protection of personal financial information of customers, regulate financial institutions exhibition behavior, effectively strengthen the financial institutions to protect personal information and legal compliance.
Four is to vigorously carry out credit publicity and education activities. For the public, make full use of the 3.15 consumer protection day, 6.14 credit records, Financial Literacy Month Day Care and other carriers, to carry out various forms of publicity and education activities to promote the protection of personal information concept deeply rooted, meaning to enhance the integrity of public knowledge and awareness of rights. In order to improve the professional quality and moral level of the employees, we should strengthen the training and guard against the risk of the post.
Five is to strengthen coordination with the relevant departments. Conscientiously fulfill the social credit system construction of the State Council of the inter ministerial joint meeting of the lead unit double duty, thoroughly implement the social credit system construction plan, strengthen communication and coordination with the Supreme People’s court, the NDRC and other departments, actively promote the trustworthy incentives, dishonesty and Joint Disciplinary work together to create a good social atmosphere of honesty and trustworthiness personal information protection work, and actively promote the relevant industry and related fields.
Third, do a good job of personal information protection and credit management work of the three points.
At present, to strengthen the protection of personal information, and promote the development of the credit market norms, both facing historic opportunities, but also faces many challenges. In this process, the need to balance a good relationship, to deal with the dual pressure, grasp the three aspects of regulatory coordination.
Balance a good relationship. This relationship is the relationship between the free flow of data and the protection of the rights and interests of the information subject. There is no contradiction between the two, but the need for balance. On the one hand, and the application of data collection is the cornerstone of the credit industry, the lack of free flow of data, the positive role in the prevention of credit credit risk, reduce transaction costs, improve the financial ecological aspects may not be fully revealed. On the other hand, does not rule out a number of market institutions for the purpose of individual internal personnel for profit, the existence of illegal trading data, the main interests of the interests of the main motivation of information. Therefore, the credit industry must share forward dynamic balance and protection of the rights and interests of the information subject in the information, the key is to allow the free flow of information in the premise of safety, compliance, the full release of information produced by the flow of dividends.
Deal with double pressure. The first heavy pressure refers to the protection of personal information of citizens awareness and rights awareness increasing, the difference with different information on the subject of risk exposure and appeal rights is relatively large, the protection of personal information and credit information rights protection work is facing tremendous pressure point a wide line of. The double pressure refers to the technical means of infringement of personal information of illegal and criminal activities by the increasingly complex, regional large span, the existing management mode and configuration of manpower and technology is difficult to meet the effective identification, monitoring and treatment needs. This is not only reflected in the credit management work, but also the common challenges faced by other information industry management, directly reflected in some of the personal information disclosure cases difficult to track, difficult to obtain evidence, etc.. In the face of the dual pressures, we need to continue to actively promote institutional innovation, improve the credit industry infrastructure, improve the regulatory capacity and level.
Grasp the three aspects of regulatory coordination. First, the information provider regulatory coordination. Ensure that information is collected in accordance with the minimum and applicable concept to ensure accuracy of the information. Two is the information collection and processing side of the regulatory coordination. To ensure that the credit rating agencies comply with the requirements of the credit rules and ensure the fairness and effectiveness of the credit investigation. Three is the use of information on the regulatory coordination. To ensure the limited use of personal credit information in accordance with the law, to ensure that the interests of the information subject to respect and maintenance.
People’s Bank is actively and steadily accelerate the issuance of personal credit business license. In this process, the community is very concerned about the personal information and how to effectively protect the information provided in the process of information collection, processing and use, and put forward a lot of opinions and suggestions. The people’s Bank of China is paying close attention to organize, study and absorb, improve the relevant institutional arrangements. In the personal credit market access and business activities carried out, we stressed the importance of grasping the three principles.
First, the principle of independence of the third party credit. Credit reporting agencies should ensure independence and prevent conflicts of interest in corporate governance and business development. The business should be objective and neutral, and can not be controlled by other users, such as information providers and information users. The use of credit information products and services can not be linked with other shareholders of the credit reporting agency or other business of the investor, and can not be used as a means for shareholders or investors to seek profits.
Second, the principle of justice in credit investigation. Credit business activities should fully reflect the social fairness and justice, to ensure political correctness. Credit products are mainly used to solve the information asymmetry caused by credit default risk, improve transaction efficiency, reduce transaction costs and promote the development of Inclusive Finance, not only as to divide people into different classes and different groups of the tools are not used in some vulgar social activities, from credit.
Third, the principle of personal information privacy protection. In the system construction and daily supervision, credit institutions should emphasize the protection of personal privacy, strengthen the protection of personal information perspective, maintain business transparency, prevent excessive collection, improper personal information processing and illegal use, prevention of personal privacy and commercial secrets infringement, and earnestly safeguard the legitimate rights and interests of the information subject.
Distinguished guests and experts:
Strengthen the protection of personal information and promote the development of credit industry norms are inseparable. I hope that the experts and scholars to make full use of this international conference provides a platform, in-depth exchange of views, share best practices, to further improve the protection of personal information, credit management, and promote the rich Chinese credit industry sustained and healthy development of the contribution of ideas and wisdom.
Finally, I wish this seminar a complete success! Ladies and gentlemen!
(source: People’s Bank of China official website)
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