As everyones economic ID card, personal credit records are very important. Small to handle a credit card, large enough to buy a house, buy a car, all rely on personal credit report to get. At present, some third party applications (App) call the direct credit system of the central bank. If you download software on a mobile phone, you can query personal credit records, which seems to be convenient and quick. However, a 102 article of the central bank in the near future has completely made the App original: the original App is unauthorized, and the central bank is strictly forbidden to access the credit system. In the process of using these App, users may have divulging the most personal privacy that needs to be protected. Directly linked to the central bank credit system is a false theft of privacy is true. Open the App store of the apple cell phone, and search with the credit keyword, you can jump out of more than 10 App, which is called direct credit system of the central bank. Screenshots from Apple App store? For example, a App, developed by a Hangzhou information technology company, is called the letter - personal credit inquiry, which introduces the direct bank credit, the credit report is free to receive. When users are using these App, they will be registered by mobile phone and verification code, and then authenticated. In the process of authentication, users need to input personal information such as identity card and name. At the same time, we have to answer some questions and even ask for information such as bank cards. In fact, many of the App as an example, App will require a number of privacy rights for the users mobile phone, including location, telephone number, access camera, even reading short message and communication records. It is said that second days after the registration of the mobile phone, all kinds of loan calls were received. Through these operations involving personal information, the central banks credit reporting can be queried. This credit report contains detailed information about personal communication mode, address, marital status, career information, bank loan records, credit card overdraft records, etc. These personal privacy, which most needs protection, is easily retained by App. And the so-called direct central bank credit system, also only App through the users own information in the background to the central bank credit system query, App is only acting as the role of the intermediary. Personal privacy has been stolen by these App. The central bank does not authorize any App to provide credit inquiry services In fact, for the personal credit reporting industry, the regulatory authorities adopted high threshold and strict requirements from the very beginning. Unlike these App direct companies, the central bank, which is the head of the personal credit reporting unit, has never authorized any App to provide personal credit report enquiry service. In fact, the information of personal credit information is the core of bank credit information, and the financial institution is active to declare it, which will be reported to the general bank by the line of business. It also includes public information such as social security, provident fund, environmental protection, tax arrears, civil adjudication and enforcement. According to the data of central bank credit center, at present, the enterprise and personal credit system only access commercial banks, rural credit cooperatives, trust companies, financial companies, auto finance companies, microfinance companies and other lending institutions. The screenshot comes from the official network of the peoples Bank of Chinas credit center In the center of the central banks credit center, the reporter saw that the front page is in the middle of a row of bold red letter: security prompt: the credit center does not authorize any third party applications (App) to provide personal credit report inquiry service, please pay attention to the majority of users. Recently, the central bank issued a notice on Further Strengthening the safety management of credit information (silver hair  102, referred to as No. 102), to further strengthen the security management of business and personal credit system operating institutions and access agencies. The 102 article requires strict authorization of the inquiry mechanism, without authorization to strictly prohibit the inquiry report, standardize the internal personnel and state organs to inquire the processing process, strictly prohibit the unauthorized App access credit system. In May 4th, the central banks credit consultation conference stressed that it is necessary to strictly investigate and punish illegal activities in the field of credit investigation with a zero tolerance attitude. In addition, we should speed up the establishment of a credit rating system covering the whole society, actively build an Internet credit system, and rationally guide the development of market oriented institutions. The central bank will severely punish the disclosure of information It is understood that the central bank will severely punish the information disclosure of credit information, and firmly guard against the bottom line of information security risks that do not occur. According to Article 102, the central bank will conduct assessment and rating management on the access agencies of enterprises and personal credit reference systems. According to the assessment score, the access agencies are rated as four grades: A, B, C and D. According to the annexes of financial credit information basic database access agency compliance and information security annual assessment rating management method, if there is the following situation, the rating will be downgraded to a number of complaints, litigation, or social group events caused by the letter of violation cases; in the news media, network triggered. Persistent and negative public opinion; concealment, delay, failure to report major risk events or irregularities; in the case of self-assessment, there are significant concealment cases, and submit documents and materials that have false records, misleading statements or major omissions. It is worth noting that Article 102 stipulates that the assessment result of the access agencies under any one of the following circumstances is directly set to 0 points. Including: cases involving the crime of credit information, the relevant agencies or personnel are investigated for criminal responsibility according to law; the information leakage of the information, the sale of information and other incidents, the relevant personnel are taken criminal compulsory measures according to law; the disclosure of information, illegal inquiries and other illegal cases; unauthorized conduct without approval Credit agency business. A long way to protect personal information security Li Aijun, director of the Internet Financial Law Research Institute of China University of Political Science and Law, looks that how to protect personal information security has become the most important thing in the future development of big data. The reporter found that 111st of the general rules of civil law and 253rd of the criminal law all involve the inviolability of the personal information of the citizens and the related punishment measures. In May 9, 2017, the Supreme Peoples court and the Supreme Peoples Procuratorate jointly issued the interpretation of the application of laws on the application of laws for criminal cases of infringement of personal information of citizens and the network security law, which was implemented in June 1st of the year, and has made relevant provisions on the personal information involved in the user. In addition, the consumer rights and interests protection law, the resident identity card law, the commercial bank law, the juvenile protection law, the Telecommunications Regulations and the Internet electronic bulletin service regulations, the computer information network international network security protection management method, the Internet security protection technical measures regulations and other laws and regulations are also all Make relevant regulations concerning personal information. In spite of this, Li Aijun said that there is no unified legislation on the protection of personal information in our country at present, the existing provisions are scattered, and there are many difficulties in the proof of personal information disclosure. Relevant departments should set up a unified legislative framework, intensify judicial strike, and smooth channels for safeguarding rights. At the same time, through the self-discipline and heteronomy of the industry, we can promote healthy and orderly market regulation. Source: Peoples network editor: Yao Liwei _NT6056 In addition, the consumer rights and interests protection law, the resident identity card law, the commercial bank law, the juvenile protection law, the Telecommunications Regulations and the Internet electronic bulletin service regulations, the computer information network international network security protection management method, the Internet security protection technical measures regulations and other laws and regulations are also all Make relevant regulations concerning personal information. In spite of this, Li Aijun said that there is no unified legislation on the protection of personal information in our country at present, the existing provisions are scattered, and there are many difficulties in the proof of personal information disclosure. Relevant departments should set up a unified legislative framework, intensify judicial strike, and smooth channels for safeguarding rights. At the same time, through the self-discipline and heteronomy of the industry, we can promote healthy and orderly market regulation.