Legal Regulation for Personal Information Collection Behavior of Algorithm consumers from the Perspective of Credit Crisis

Personal information is the gold in digital economy era and an important resource for operating platforms to make profits. In order to fully seek profits, digital operating platforms collect consumers’ personal information in secret ways or beyond authorized scope, which infringes the right to personal information, and also infringes consumers’ right to know and fair trade. The survey shows that the privacy policy, informed consent, ex ante regulation, and ex post regulation of digital operating platforms can positively affect consumers’ trust and use intention the platform. User trust plays a full mediating role in the impact of privacy policy of digital platforms on the use intention, and plays a partial mediating role in the impact of informed consent, ex ante regulation, and ex post regulation on the use intention. Therefore, in order to protect the personal information of algorithm consumers, safeguard their personal rights and interests, build a trust bridge between consumers and digital operating platforms, and achieve the purpose of the “Personal Information Protection Law” to “promote the reasonable and effective use of information data in accordance with the law”, it is advisable to implement the principle of good faith in collecting personal information. Different collection methods should be stipulated according to the type of information, and separate authorization should be adopted according to the use scenario of information, so as to give full play to the effectiveness of data protection officers in supervising the information collection, and give consumers the substantive right to refuse automated information decision-making.