征信

公共信用信息认定是指基于特定原则或原理筛选确定能够反映主体公共信用状况信息的过程和结果。我国社会信用体系建设实务中，并没有明确将必要性原则应用于公共信用信息认定，理论界也没有对这一公共信用信息认定原则进行深入系统研究。公共信用信息认定的必要性原则以公共信用信息的精准性原则为前提，以合法性、关联性和完整性原则为基础，以选择的信息能够满足信用管理为目标，要求基于目标信息数量最少，对私主体的损害或影响最小，体现利益权益平衡。必要性原则的操作路径是分别在合法性、关联性和完整性原则的基础上对公共信用信息进行必要性审查。相关原则对必要性原则的依赖关系以及必要性原则自身的特殊地位是必要性原则具有不可或缺性的根源。

The determination of public credit information refers to the process and outcome of selecting and identifying information that reflects an entity's public credit status,guided by specific principles or theories.While the principle of necessity has not been explicitly applied in the development of China's social credit system,neither has it been the subject of comprehensive and systematic study in theoretical academia. The principle of necessity in identifying public credit information is guided by the prerequisite of accuracy,grounded in the principles of legality,relevance,and completeness,and aimed at selecting information adequate for credit management. It mandates minimizing both the volume of information collected and the harm or impact on private entities,thereby achieving a balance of interests and rights. The operational path of the principle of necessity is to conduct a necessity review of public credit information on the basis of the principles of legality,relevance and completeness respectively. The dependence of relevant principles on the principle of necessity and the special status of the principle of necessity itself are the roots of the indispensability of the principle of necessity.