주요국의 신용정보 공유제도와 개인신용정보 보호규제 비교 연구

The recent development of information and telecommunication technologies made both the access to and the distribution of personal data extremely diverse and complicating. This caused numerous events of misuse accidents regarding personal data, which brought about society's full attention to the issues on the personal data protection. However, since sharing personal credit information also has various benefits, it is an important decision how to balance between protecting personal privacy and promoting data sharing. Contributing to find a best decision on this matter, this paper investigates the credit information sharing systems and the personal credit data protection regulations of other major countries such as US, Japan, Germany, France and Italy. We finds that those countries are not only very strict in protecting personal data but also equipped with various routes for individuals to actively participate in the process of sharing and utilizing credit information, which suggests many valuable implications to restructuring personal data protection regulations of Korea in recent years.