关键词: 征信, 信用信息, 信息主体权益, 敏感数据, 异议权

Abstract: Protection of the legal rights of information agents is a key issue in credit legislation. Under the guidance of The EU Data Protection Directive，EU countries constitutes protection laws about rights of information agents，which varies in specific rules but is consistent with the geneal principle. Those laws set rules and restrictions on credit information collecting (collecting range，collecting procedure，retention period，using purpose and crossborder flows)，the information agents’ right to know and to appeal，etc. It is worthwhile for China to draw lessens from those rules and restrictions. To establish the protection system of the rights of information agents in China，we should follow the principles of balanced protection，direct protection，feasibility，clear division of rights and responsibilities.

Key words: credit, credit information, rights of information agent, sensitive data, right to appeal