商业银行侵害个人金融信息民事责任研究

发布时间：2018-04-19 09:46

本文选题：个人金融信息 + 侵害　；参考：《南京大学》2015年硕士论文

【摘要】：个人金融信息不同于通常的个人信息,其是商业银行在业务过程中收集的重要基础数据,内容包括客户财产、账户、信用、交易信息等。个人金融信息不同于一般的个人信息,其不仅具有人格权益,也具有丰富的财产权益性质,一旦受到不法侵害,将是对信息所有人人格和财产的双重侵害,这是个人金融信息有别于个人信息的重要原因。作为个人金融信息的收集者、保管者和使用者,商业银行如何收集、使用和保存个人金融信息,不仅关系到商业银行业务的开展,也影响到客户权益的保护。当下,商业银行侵害客户个人金融信息时有发生,这不但侵害了客户权益,也增加了商业银行的诉讼风险、运营成本。所以,有必要对个人金融信息的性质、侵害个人金融信息的责任性质进行研究,以期加强商业银行合理收集、使用和保存个人金融信息,规避不当行为侵害客户个人金融信息。文章分为三个部分：第一部分介绍了个人金融信息的概念、范围及种类,阐述了个人金融信息的重要意义,列举了商业银行侵害个人金融信息的典型形式,进而分析了商业银行保护个人金融信息责任的法理基础；第二部分讨论了商业银行保护个人金融信息的义务来源、种类及内容,阐述了商业银行侵害个人金融信息时承担侵权责任时的构成要件认定问题,如商业银行的主观过错认定、不当行为与损害结果之间的因果关系认定以及损害结果的界定问题等：第三部分主要分析了商业银行侵害客户个人金融信息行为的法律性质及其应当承担的法律责任,分析比较了违约责任和侵权责任二者竞合时的权利选择问题,同时也讨论了商业银行员工侵权时商业银行的责任承担问题及第三人侵害客户个人金融信息时商业银行是否应当担责及责任认定的标准。
[Abstract]:Personal financial information is different from normal personal information. It is an important basic data collected by commercial banks in the process of business, including customer property, accounts, credit, transaction information and so on.Personal financial information is different from general personal information. It has not only personality rights and interests, but also rich property rights and interests.This is the important reason why personal financial information is different from personal information.As the collector, custodian and user of personal financial information, how to collect, use and preserve personal financial information by commercial banks is not only related to the development of commercial bank business, but also to the protection of customers' rights and interests.At present, commercial banks encroach on personal financial information of customers, which not only infringes on the rights and interests of customers, but also increases the litigation risk and operating costs of commercial banks.Therefore, it is necessary to study the nature of personal financial information and the nature of responsibility for infringing personal financial information, in order to strengthen the rational collection, use and preservation of personal financial information by commercial banks, and avoid improper behavior infringing personal financial information of customers.The article is divided into three parts: the first part introduces the concept, scope and types of personal financial information, expounds the significance of personal financial information, and lists the typical forms of commercial banks infringing personal financial information.Then it analyzes the legal basis of the responsibility of commercial banks to protect personal financial information. The second part discusses the sources, types and contents of the obligations of commercial banks to protect personal financial information.This paper expounds the identification of the constitutive elements of the tort liability when the commercial bank infringes upon the personal financial information, such as the subjective fault determination of the commercial bank.The causality between the misconduct and the result of the damage and the definition of the result of the damage are discussed. The third part mainly analyzes the legal nature and the legal liability of the commercial bank against the individual financial information of the customer.This paper analyzes and compares the choice of rights between the liability for breach of contract and the liability for tort.At the same time, it also discusses the liability of commercial banks when the employees of commercial banks infringe on the personal financial information of customers and whether the commercial banks should be held responsible and the standards of liability confirmation when the third party infringes on the personal financial information of customers.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28;D923

【参考文献】