金融消费者隐私权保护之法律思考

发布时间：2018-03-21 21:37

本文选题：金融消费者　切入点：隐私权　出处：《西南政法大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着金融市场发展的不断深化,金融产品和服务日益复杂化、精细化和专业化,进一步拉大了本身就处于不对等地位的消费者与经营者间的差距,由此我们要特别关注金融消费者的保护。尤其在互联网金融浪潮的推动下,个人金融信息具有提升金融机构竞争力的潜在价值,很大程度上激发了金融经营者凭借优势地位对消费者个人碎片信息进行整合利用、进而获取非法利益的热情。与金融消费者个人金融信息受损这一严峻现实形成鲜明对比的是,我国关于金融消费者隐私权的立法相对滞后,目前,不仅没有关于金融消费者隐私权的专门立法,甚至欠缺“金融消费者”、“隐私权”等基础概念的法律确认。鉴于此,本文结合互联网金融和混业经营的发展背景,以金融消费者个人金融信息保护的必要性为研究切入点,通过深入解读金融消费者隐私权的保护现状,在借鉴域外制度的基础上,努力探索我国金融消费者隐私权保护的发展路径。本文的主要思路与观点如下:第一部分:该部分在扼要梳理金融消费者和金融消费者隐私权的界定后,以金融消费者的弱势性为研究视角,结合个人金融需求的普遍高涨、个人金融信息安全关切金融市场整体发展这一现实背景,解析对金融消费者隐私权进行保护的必要性。强调对金融消费者隐私权的保护,不仅是基于金融消费者隐私权保护理论探讨的要求,更是对维护金融市场秩序的现实回应。第二部分:该部分由金融消费者个人金融信息泄露的三个典型事例引出对我国金融消费者隐私权保护的现状分析,深入探讨在互联网金融和混业经营的发展背景下,由于宣传方式转变、业务流程虚拟、金融产品创新等原因给个人金融信息保护带来的现实挑战,同时配合立法现状的展呈,于理论摸索与实践照应双重视角探进对金融消费者隐私权的保护。第三部分:该部分主要以金融消费者隐私权保护机制的宏观思路构建为主题,在对欧美个人金融信息保护相关制度进行引介与借鉴的基础上,结合我金融发展现实,尝试从立法保护理念、价值平衡、立法模式选择方面考量,提出义务保护本位向权利保护本位的转变,建议实现信息流通与保护价值的合理平衡,并倡议采用逐步统合的立法保障模式。第四部分:该部分延承上文宏观层面的认知定位,具体展开对金融消费者隐私权保护机制的构建工作。以欧美的先进经验为参鉴样本,主要从立法的完善、保护机构的设立、教育工作的进行、救济机制的构设等角度,为我国金融消费者隐私权的法律完善提供微观层面的具体建议。
[Abstract]:As the development of financial markets deepens, financial products and services become increasingly complex, refined and specialized, further widening the gap between consumers and operators, who are themselves in unequal positions. As a result, we should pay special attention to the protection of financial consumers. In particular, driven by the wave of Internet finance, personal financial information has the potential value of enhancing the competitiveness of financial institutions. To a large extent, the enthusiasm of financial operators to integrate and utilize consumer personal debris information by virtue of their dominant position, thereby obtaining illegal benefits, stands in sharp contrast to the grim reality that financial consumers' personal financial information is damaged. China's legislation on the right to privacy of financial consumers is relatively lagging behind. At present, there is not only no specific legislation on the right to privacy of financial consumers, but also a lack of legal confirmation of the basic concepts of "financial consumers" and "privacy rights". Based on the background of the development of Internet finance and mixed operation, this paper takes the necessity of financial consumer's personal financial information protection as the starting point, through deeply analyzing the present situation of the financial consumer's privacy protection, and on the basis of the reference of the extraterritorial system. The main ideas and viewpoints of this paper are as follows: the first part: after briefly combing the definition of the right to privacy of financial consumers and financial consumers, From the perspective of the weakness of financial consumers and the general upsurge of personal financial needs, personal financial information security concerns about the overall development of financial markets. Analyzing the necessity of protecting the right to privacy of financial consumers, emphasizing that the protection of the right of privacy of financial consumers is not only based on the requirements of the theoretical discussion on the protection of privacy of financial consumers, The second part: from the three typical examples of financial consumers' personal financial information leakage leads to the analysis of the current situation of the protection of financial consumers' right to privacy in China. Under the background of the development of Internet finance and mixed business operation, the realistic challenges brought to personal financial information protection due to the change of propaganda mode, the virtual business process, the innovation of financial products, and so on, are discussed in depth, and the present situation of legislation is presented at the same time. This part explores the protection of financial consumers' right to privacy from the perspective of theoretical exploration and practical reference. Part III: the main theme of this part is the macro thinking construction of financial consumers' privacy protection mechanism. Based on the introduction and reference of the relevant systems of personal financial information protection in Europe and the United States, combined with the reality of our financial development, this paper tries to consider the concept of legislative protection, the balance of value, and the choice of legislative model. The paper puts forward the shift from the obligation protection standard to the right protection standard, proposes to achieve a reasonable balance between the information flow and the protection value, and proposes to adopt the legislative protection mode of gradual integration. Part IV: this part extends the cognitive orientation of the macroscopic level above. Taking the advanced experience of Europe and the United States as a reference sample, mainly from the perspective of the perfection of legislation, the establishment of protection institutions, the carrying out of education work, the construction of relief mechanism, etc. To provide micro-level specific suggestions for the legal perfection of the right to privacy of financial consumers in China.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28;D923.8

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