大数据时代金融信息保护的法律制度建构

发布时间：2018-05-01 20:44

本文选题：大数据 + 金融信息　；参考：《中州学刊》2015年03期

【摘要】：大数据技术在提高信息获取能力、降低信息处理成本的同时,也使信息安全面临严峻形势。我国缺乏完善的个人信息保护立法,金融信息保护的规范依据不足。实践中金融机构往往通过格式条款进行免责,相关行政监管措施缺失,金融信息受害人举证困难。金融信息是个人信息权的保护对象,立法上可以从合同法路径和侵权法路径对其加强保护,并将其保护范围作为一个框架性概念,保持开放性。为了加强金融信息保护,我国应当建立个人信息保护法与金融信息保护法规相辅相成的法律体系,明确将金融机构和相关组织纳入义务主体的范围,规定金融信息保护义务的内容,设置举证责任倒置制度,严格限制格式条款的免责效力,强化金融信息保护监管。
[Abstract]:Big data technology not only improves the ability of information acquisition and reduces the cost of information processing, but also makes information security face a severe situation. Our country lacks perfect personal information protection legislation, and the normative basis of financial information protection is insufficient. In practice, financial institutions often exempt themselves from liability through standard clauses, and the relevant administrative supervision measures are lacking, and the financial information victims are difficult to prove. Financial information is the object of protection of personal information right. Legislation can strengthen the protection of financial information from the path of contract law and the path of tort law, and regard the scope of protection as a frame concept to keep the openness. In order to strengthen the protection of financial information, China should establish a legal system in which personal information protection law and financial information protection laws complement each other, and explicitly include financial institutions and related organizations in the scope of the subject of obligation. The content of financial information protection obligation should be stipulated, the system of inversion of burden of proof should be set up, the exemption effect of form clause should be restricted strictly, and the supervision of financial information protection should be strengthened.
【作者单位】：河南财经政法大学民商经济法学院;
【分类号】：D923

【参考文献】