网络个人金融信息的法律保护

发布时间：2018-05-06 03:21

  本文选题：网络个人金融信息 + 权利性质　； 参考：《哈尔滨工业大学》2016年硕士论文

【摘要】：网络技术的普及使金融业迅速发展,金融消费者队伍崛起,同时产生了大量的网络个人金融信息。如何对网络个人金融信息进行有效的保护,成为学术界与实务界重要的研究课题。学术界关于网络个人金融信息的研究尚不充足,法律上网络个人金融信息的规范不完善,金融机构对网络个人金融信息安全保障义务不足,司法实践中网络个人金融信息频遭侵害。囿于此,亟需对网络个人金融信息的概念、权利性质、救济方式等基本理论进行探讨。论文分析了网络个人金融信息受侵害现状的原因,研究深层次的保护理念与法律制度,进而提出更加完善的保护方案,以此保护网络个人金融信息,维护信息主体的权利,促进金融业的健康发展。梳理网络个人金融信息的研究背景及国内外研究现状可以发现,学者对于网络个人金融信息的定义、性质、救济方式等内容还存在一些争议。对此,应当适当扩展其定义,才能更好地保护网络个人金融信息。网络个人金融信息虽然含有财产因素,但是分析网络个人金融信息的人格尊严与人格平等的因素,应当采取人格权性质说。其受到侵害后,对于救济方式的确定,也不能简单地计算财产价值,而应当综合各方面因素,采取精神损害与物质损害赔偿并存的责任承担方式。对网络个人金融信息法律关系进行探讨,分析其权利内容,可以看出网络个人金融信息的保护义务也不应当局限于金融机构,监管机关等义务主体同样需要履行相关义务。需要对更加广泛的义务主体进行探讨,更好地保护网络个人金融信息。运用规范分析法和文献分析法,对相关法律和文献资料进行研究,把个人金融信息的理论基础与实践中出现的问题相联系。结合我国个人金融信息实践中的具体情况,重构新型四位一体的保护模式,界定各方主体的保护义务,极具重要意义。回应现实中的案例,对网络个人金融信息进行研究。理论层面,网络个人金融信息的保护模式的构建,可以丰富网络个人金融信息理论,深化保护金融消费者的监管理念,促进网络个人金融信息的流通与共享,完善信息监管机制。实践层面,侵害网络个人金融信息的案件需要解决,法律规范随网络信息社会的变化需要及时调整,加快相关立法发展,司法审判的法律依据得以确立,更好地保护信息主体的权益,保障金融体系的稳定。
[Abstract]:With the popularization of network technology, the financial industry develops rapidly, the financial consumer ranks rise, and at the same time, a large amount of personal financial information is generated. How to effectively protect the network personal financial information has become an important research topic in academic and practical circles. The academic circles about the network personal financial information research is not enough, the legal network personal financial information standard is not perfect, the financial institution to the network personal financial information security safeguard duty is insufficient, Network personal financial information is frequently violated in judicial practice. Because of this, it is urgent to discuss the basic theories of network personal financial information, such as the concept of network personal financial information, the nature of rights, the way of relief and so on. This paper analyzes the reasons of the current situation of network personal financial information infringement, studies the deep level of protection concept and legal system, and then puts forward a more perfect protection scheme, so as to protect the network personal financial information and safeguard the rights of the information subject. To promote the healthy development of the financial industry. Combing the research background of network personal financial information and the current research situation at home and abroad, it can be found that there are still some controversies about the definition, nature and relief of online personal financial information. In order to better protect personal financial information, we should extend its definition appropriately. Although the network personal financial information contains the property factor, it should adopt the personality right nature to analyze the factor of the personal dignity and the personality equality of the network personal financial information. After being infringed, we can not simply calculate the value of property for the determination of relief mode. Instead, we should integrate all factors and take the responsibility of moral damage and material damage compensation. This paper probes into the legal relationship of network personal financial information and analyzes the content of its right. It can be seen that the obligation of protection of network personal financial information should not be limited to financial institutions, and the subject of obligations such as supervisory authorities also needs to perform relevant obligations. It is necessary to probe into more extensive subjects of obligation to better protect personal financial information. By using the normative analysis method and the literature analysis method, the relevant laws and documents are studied, and the theoretical basis of personal financial information is related to the problems in practice. It is of great significance to reconstruct the new four-in-one protection model and define the protection obligations of the parties concerned in the light of the specific situation in the practice of personal financial information in China. In response to the real case, the network personal financial information research. Theoretically, the construction of network personal financial information protection model can enrich the network personal financial information theory, deepen the concept of supervision to protect financial consumers, and promote the circulation and sharing of network personal financial information. We will improve the information supervision mechanism. On the practical level, the cases of infringing personal financial information need to be solved, the legal norms need to be adjusted with the changes of the network information society, the development of relevant legislation should be speeded up, and the legal basis of judicial trial can be established. Better protect the rights and interests of information subjects and ensure the stability of the financial system.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.28
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本文编号：1850561