我国金融服务外包中个人金融信息保护研究

发布时间：2018-04-14 09:07

本文选题：金融服务外包 + 个人金融信息　；参考：《广东财经大学》2015年硕士论文

【摘要】：20世纪70年代,金融服务外包作为金融领域的创新实践,最先出现在欧美等发达国家,随着金融全球化以及信息技术的迅速发展,其规模不断扩大。在世界范围内,金融服务外包领域正处于高速成长期,并形成了基本完善的运行机制。同时,由于金融业信息化的不断发展,金融机构掌握的个人金融信息数量也急剧增长,在金融服务外包过程中,这些个人金融信息面临着极大的泄露风险。我国的金融服务外包发展水平较低,在最近几年发展迅速且规模不断扩大。但我国对金融服务外包的理论研究未能与实践同步,在外包过程中可能出现的各种风险并未得到我们应有的关注与研究,尤其是个人金融信息在金融服务外包中缺少足够的保护。目前,我国金融服务外包中个人金融信息保护所存在的问题主要是:立法分散且原则性过强,缺乏完善的司法救济机制,加上金融服务外包监管的不足,导致个人金融信息的安全在金融服务外包中得不到应有的保障,极大降低了欧美等发包国对我国的信心,影响我国金融服务外包产业的进一步发展。本文阐述了金融服务外包中个人金融信息保护的理论基础,探讨了在金融服务外包中保护个人金融信息的必要性,从个人金融信息立法和金融服务外包监管两个角度出发,结合我国具体情况分析了我国金融服务外包中个人金融信息保护所存在的问题,借鉴欧洲、美国以及印度的相关经验,提出完善我国金融服务外包中个人金融信息保护制度的建议。
[Abstract]:In the 1970s, as an innovative practice in the field of finance, financial service outsourcing first appeared in developed countries such as Europe and America. With the rapid development of financial globalization and information technology, its scale is expanding.In the world, the field of financial service outsourcing is in a period of rapid growth, and has formed a basic and perfect operating mechanism.At the same time, due to the continuous development of financial information, the number of personal financial information held by financial institutions has increased rapidly. In the process of financial service outsourcing, these personal financial information is facing a great risk of leakage.The development level of financial service outsourcing in China is relatively low, and the scale is expanding rapidly in recent years.However, the theoretical research on the outsourcing of financial services in China has not been synchronized with practice, and the risks that may occur in the process of outsourcing have not received the attention and research we deserve.In particular, personal financial information in the outsourcing of financial services lack of adequate protection.At present, the problems of personal financial information protection in the outsourcing of financial services in our country are: the legislation is scattered and too strong in principle, the judicial relief mechanism is not perfect, and the supervision of financial service outsourcing is insufficient.As a result, the security of personal financial information can not be guaranteed properly in the outsourcing of financial services, which greatly reduces the confidence of the contracting countries in Europe and the United States, and affects the further development of the outsourcing industry of financial services in China.This paper expounds the theoretical basis of personal financial information protection in the outsourcing of financial services, discusses the necessity of protecting personal financial information in the outsourcing of financial services, and sets out from the perspectives of the legislation of personal financial information and the supervision of financial services outsourcing.This paper analyzes the problems existing in the protection of personal financial information in the outsourcing of financial services in China, and draws lessons from the relevant experiences of Europe, the United States and India.Some suggestions are put forward to perfect the personal financial information protection system in the outsourcing of financial services in China.
【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】：D922.28

【相似文献】