我国私人银行业务客户信息保护法律问题研究

发布时间：2018-03-30 03:01

本文选题：私人银行业务　切入点：客户信息　出处：《广东财经大学》2015年硕士论文

【摘要】：随着改革开放以来社会财富的不断累积,中国私人银行业务发展迅猛。但是作为新兴业务的私人银行业务在我国正处于起步发展的阶段,国内法律对私人银行业务的规制还不够完善,其中客户信息保护的法律问题尤为突出。本文通过对私人银行业务中与客户信息保护有关的理论进行分析,对比考察国外先进的法律制度,指出我国在私人银行业务客户信息保护存在的主要问题,最后对我国私人银行业务客户信息保护制度提出的完善建议。本文从四个部分对私人银行业务客户信息保护的法律问题进行探讨。第一部分主要对我国私人银行业务客户信息保护的基本理论进行阐述。首先从私人银行业务的定义、特征、法律关系三方面对私人银行业务进行理论分析并且对私人银行业务中客户信息的定义作出界定,最后阐述了私人银行业务客户信息保护的必要性与可行性。第二部分主要对比分析欧盟与美国私人银行业务客户信息保护的法律制度,通过对外国私人银行业务客户信息保护制度的考察,阐述域外法律制度对我国完善私人银行业务客户信息保护法律制度的启示。第三部分主要分析我国私人银行业务客户信息保护存在的问题,主要包括私人银行业务客户信息保护缺乏系统性与操作性,私人银行业务客户信息保护在征信程序上遭遇现实的困境等。然后对我国私人银行业务客户信息保护问题存在的原因进行分析与探讨。第四部分主要对完善我国私人银行业务客户信息保护制度提出建议。首先是针对客户信息保护缺乏系统性的问题,建议通过提高客户信息保护的法律地位以及制订统一的私人银行业务客户信息保护的基本法律加以完善。其次是针对客户信息保护缺乏操作性的问题,在客户主体权利、客户信息保护法律责任、客户信息保护例外规定三个方面提出完善的建议。最后通过在征信程序中确立信息公开原则以及在法律上规范征信程序的建议缓解私人银行业务客户信息保护在征信程序中遭遇的现实困境。
[Abstract]:With the continuous accumulation of social wealth since the reform and opening up, China's private banking business has developed rapidly.However, as a new business, the private banking business is in the initial stage of development in China, the regulation of private banking business in domestic law is not perfect, among which, the legal problem of customer information protection is particularly prominent.Based on the analysis of the theories related to customer information protection in the private banking business, this paper compares the advanced legal systems abroad, and points out the main problems existing in the protection of customer information in the private banking business in China.Finally, the author puts forward some suggestions to improve the customer information protection system of private banking in China.This paper discusses the legal issues of customer information protection in private banking from four parts.The first part mainly expounds the basic theory of customer information protection of private banking in China.First of all, it makes a theoretical analysis of private banking business from the definition, characteristics and legal relationship of private banking business and defines the definition of customer information in private banking business.Finally, the necessity and feasibility of customer information protection in private banking are expounded.The second part mainly compares and analyzes the legal system of customer information protection between European Union and American private banking business, through the investigation of foreign private bank business customer information protection system.This paper expounds the enlightenment of the extraterritorial legal system on perfecting the legal system of customer information protection of private banking in China.The third part mainly analyzes the problems existing in customer information protection of private banking business in China, including the lack of systematicness and maneuverability of customer information protection in private banking business.Private banking customer information protection in the credit process encountered practical difficulties.Then it analyzes and discusses the reasons of customer information protection problem in private banking in China.The fourth part puts forward some suggestions to improve the customer information protection system of private banking in China.First of all, aiming at the lack of systematic customer information protection, it is suggested to improve the legal status of customer information protection and formulate a unified basic law for customer information protection in private banking business.Secondly, aiming at the lack of operability of customer information protection, the author puts forward some perfect suggestions in three aspects: the rights of client subject, the legal responsibility of customer information protection and the exception of customer information protection.Finally, by establishing the principle of information disclosure in the procedure of credit investigation and the suggestion of standardizing the procedure of credit reporting in law, we can alleviate the practical difficulties encountered in the process of customer information protection in the private banking business.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

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