Abstract: The contradiction between the publicity of personal credit information and the right of privacy needs to be solved through interest measurement. Improper disclosure of personal credit information will infringe upon the right of privacy. The internal motivation of personal credit information disclosure is to overcome the information asymmetry between transaction subjects, and it is the interest game of different needs between information users and providers. The conflict between the disclosure of personal credit information and the protection of privacy needs to be weighed and coordinated by technical means. Personal credit information disclosure can be abstracted as rating symbols and regulated through economic factors, reputation risk and social supervision. First of all, personal credit information disclosure should not exceed the purpose set in advance; secondly, it should emphasize the coordination between the purpose and the result, and finally, it needs the specific authorization of the information subject to effectively solve the conflict between the parties concerned.