我国金融隐私权法律保护问题研究

发布时间：2018-04-20 09:23

本文选题：金融隐私权 + 法律保护　；参考：《北京交通大学》2015年硕士论文

【摘要】：随着网络的普及,信息大爆炸的时代已经到来,人们享受着高速、便捷、舒适的生活同时,信息随意传播和隐私权被侵犯也时有发生。与传统意义上的隐私权不同的是金融隐私权具有人格属性和财产属性,而财产属性与金融消费者的个人资产、财富息息相关,一旦遭到侵犯则有可能造成无法挽回的经济损失。与此同时,在人格属性方面金融隐私权也在传统隐私权的基础上有所发展,传统隐私权注重保护个人私生活不受侵犯和干扰,属于对世权,即只有在个人隐私被侵犯时才可以提出救济,相对来讲具有消极保护的特性。而金融隐私权则更加注重金融消费者自身拥有的权利,权利人可以在金融交易中决定是否将个人金融信息告知金融机构,以及对金融机构提出要求对个人金融信息提供保密服务。这就使得金融隐私权具有积极地可支配性,为金融交易提供了方便和更广阔的发展空间。随着混业经营的发展,金融集团进一步形成,个人金融信息任意流转肆意传播是屡见不鲜的事,对于金融机构来说这不仅会刺激金融市场不断抢夺个人金融信息资源造成恶性同业竞争,甚至引发金融市场的衰竭,可以说这是牵一发而动全身的问题,金融交易任何一环出现问题都有可能引发金融市场动荡的浪潮。因此,金融隐私权有必要与传统隐私权相区别并予以特殊保护,这既是我国金融市场稳定发展的必然要求,也是国际金融市场发展合作的题中之义。本文在此前提下提出观点,对金融隐私权的保护方向进行阐述。论文通过正文部分的五大章节将金融隐私权的保护进行了分步骤的阐述,首先确定了金融隐私权的概念范围、明确其主体客体；其次将域外金融隐私权的保护情况与我国现阶段的实际情况予以比较；最后在监管和纠纷解决这两方面着重提出几点建议,希望能为我国消费者维护个人金融隐私权提供帮助。
[Abstract]:With the popularity of the network, the era of information explosion has come, people enjoy a high speed, convenient and comfortable life, at the same time, the random dissemination of information and the violation of privacy also occur from time to time. What is different from the traditional sense of privacy is that the financial privacy right has the personality attribute and the property attribute, and the property attribute is closely related to the personal assets and wealth of the financial consumers. Once infringed, it may cause irreparable economic losses. At the same time, in terms of personality, financial privacy also develops on the basis of traditional privacy, which focuses on the protection of personal private life from encroachment and interference, and belongs to the right to the world. That is, only when the personal privacy is violated, can bring relief, relatively speaking has the negative protection characteristic. On the other hand, the right to financial privacy pays more attention to the rights owned by financial consumers themselves. In financial transactions, the obligee can decide whether to inform financial institutions of personal financial information. And financial institutions to request to provide confidential services for personal financial information. This makes the financial privacy right positively controllable and provides convenient and broader development space for financial transactions. With the development of mixed operation and the further formation of financial groups, it is common for individuals to circulate financial information arbitrarily and wantonly. For financial institutions, this will not only stimulate the financial market to continuously seize individual financial information resources, resulting in vicious interbank competition, but also lead to financial market failure. Any problem in financial transactions could trigger a wave of financial market turmoil. Therefore, it is necessary to distinguish the financial privacy right from the traditional privacy right and give special protection, which is not only the inevitable requirement of the stable development of our financial market, but also the meaning of the international financial market development cooperation. Under this premise, this paper puts forward the point of view and expounds the direction of the protection of the right to financial privacy. The paper elaborates the protection of the financial privacy right step by step through the five chapters of the text. Firstly, it defines the concept scope of the financial privacy right, and clarifies the subject and object of the financial privacy right. Secondly, it compares the protection of the extraterritorial financial privacy with the actual situation of our country at the present stage. Finally, it puts forward some suggestions in the aspects of supervision and dispute resolution, hoping to provide help for our consumers to safeguard the right to personal financial privacy.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923;D922.28

【参考文献】