On Construction of Rights System for Financial Consumers during Credit Investigation

Development of credit investigation industry and improvement of credit information services has become an important path for effectively preventing the transaction risks in financial markets.To minimize the mistrust from the market principals on credit investigation activities for earnestly safeguarding the legitimate rights and interests of financial consumers,it's necessary for credit investigation legislation in China to take for reference the experiences in protecting personal information privacy from international organizations and western countries,and build a rights system for credit investigation activities,including the right of confidentiality for financial consumer credit information,the right to use credit information,the right to learn the truth for credit information,the right to correct credit information,the right to dominate credit information,and the right for information interests relief.