공개된 개인정보의 신용평가 활용과 법적 쟁점

In this study, perspectives on how to use disclosed personal information were divided into three groups: 1) the view that the individual needs explicit prior consent, 2) the view that additional consent is not needed because implied consent is included, and 3) the view that the profit sentence should be used. Due to this point of view, a new proposal was developed that included profit-type opinions that should be based on the autonomy to use disclosed personal information without additional consent procedures, but that the results of credit evaluations using disclosed personal information should only be calculated when it is advantageous to individuals. Additionally, the legal tasks to be reviewed in the collection, processing, utilization, and verification of disclosed personal information were pointed out, and the law was proposed to be revised. This study is differentiated in that the research so far has overcome the limitations that have not been properly addressed in actual reality by using only laws and systems as the subject of research. The study's importance can also be seen in the fact that it is valuable as an interdisciplinary study because it conducts research in the legal field in addition to the credit evaluation field, which has primarily been studied in the fields of statistics and business administration.