金融消费者个人信息权法律保护研究

发布时间：2018-08-20 09:13

【摘要】：个人信息权在不同的领域存在不同的保护内容与保护方式,涉及到金融领域,保护的主要是金融消费者的个人信息。我国在保护金融消费者方面,保护工作不断推进,金融消费者的概念逐渐被公众认可和接受,对金融消费者的权利进行特殊保护的必要性,以及金融消费者权利的内涵和外延也逐渐清晰。但是由于金融业的快速发展,金融业务网络化、数字化的趋势越来越明显,新型金融业务的出现,给金融消费者个人信息权的保护提出了严峻的挑战。个人金融信息是一个动态的信息集合体,它不仅包括个人的身份信息,还包括个人在接受金融服务时向金融机构披露的个人财产信息、账户信息、消费信息,以及因金融服务衍生出的其他个人信息。个人金融信息是个人信息权的一项重要内容,这些信息的泄露或不当披露,不仅可能会对个人生活的安宁造成侵扰,也可能会对个人财产的安全带来威胁。我国目前已经确立了个人信息权,但对金融消费者个人信息权并没有明确规定。对个人金融信息的保护主要适用上位法,并由相应的国家机关通过行政管理手段来矫正对个人金融信息的侵害。金融消费者个人信息权保护在立法和执法方面尚不完善,因此,明确金融消费者个人信息权的法律属性,全面分析金融消费者个人信息权法律保护面临的问题,提出完善我国金融消费者个人信息权法律保护的路径,对于推动金融消费者权益保护、金融行业健康发展具有重要的理论和实践意义。本文将从以下五个方面展开论述:第一部分是由社会问题引出思考,分析金融消费者个人信息受侵害的情况,并指出对其进行法律保护的现实必要性。第二部分是概述部分。首先,对个人金融信息的范围及金融消费者个人信息权的法律属性进行了界定;其次,提出了金融消费者个人信息权保护的立法依据,对目前现有立法进行了分类论述;最后,通过对欧美金融消费者个人信息法律保护的比较考察,分析了二者的保护特点及对我国的借鉴之处。第三部分是分析我国在法律保护方面存在的困境。针对目前我国在金融消费者保护及个人金融信息保护方面存在的不足,从主体角度切入,分析了金融监管部门、金融机构的问题,并指出目前法律法规的不完善导致金融消费者权利救济的困难。第四部分是提出我国金融消费者个人信息权法律保护的可行路径。通过第三部分的分析,结合欧盟地区及美国等发达国家的经验,针对我国在金融消费者法律保护方面需要完善及改进的地方,提出了可行性建议。第五部分是对本文所写内容的概述性总结。
[Abstract]:The right to personal information has different contents and ways of protection in different fields, which involves the financial field, and mainly protects the personal information of financial consumers. In the aspect of protecting financial consumers, the protection work in our country is advancing constantly, the concept of financial consumers is gradually accepted and accepted by the public, and it is necessary to protect the rights of financial consumers. As well as the financial consumer right connotation and extension also gradually clear. However, due to the rapid development of financial industry, the network of financial business, the trend of digitalization is becoming more and more obvious. The emergence of new financial services has posed a severe challenge to the protection of financial consumers' right to personal information. Personal financial information is a dynamic collection of information, which includes not only personal identity information, but also personal property information, account information and consumption information that individuals disclose to financial institutions when they receive financial services. And other personal information derived from financial services. Personal financial information is an important part of personal information right. The disclosure or improper disclosure of these information may not only disturb the peace of personal life, but also threaten the security of personal property. The right of personal information has been established in our country, but the right of personal information of financial consumers is not clearly stipulated. The protection of personal financial information is mainly applied to the upper law, and the corresponding state organs rectify the infringement of personal financial information by administrative means. The protection of financial consumers' right to personal information is not perfect in legislation and law enforcement. Therefore, the legal attributes of financial consumers' right to personal information are clarified, and the problems faced by the legal protection of financial consumers' right to personal information are comprehensively analyzed. It is of great theoretical and practical significance to improve the legal protection of financial consumers' personal information right in order to promote the protection of financial consumers' rights and interests and the healthy development of financial industry. This article will discuss from the following five aspects: the first part is from the social problem leads to ponder, analyzes the financial consumer personal information to suffer the situation, and points out to carry on the legal protection to it the realistic necessity. The second part is an overview. First of all, the scope of personal financial information and the legal attributes of financial consumers' personal information rights are defined. Secondly, the legislative basis for the protection of financial consumers' personal information rights is put forward, and the current legislation is classified and discussed. Through a comparative investigation of the legal protection of personal information of financial consumers in Europe and the United States, this paper analyzes the characteristics of their protection and their reference to our country. The third part is to analyze the dilemma of legal protection in our country. In view of the shortcomings in the protection of financial consumers and personal financial information in our country at present, this paper analyzes the problems of financial supervision departments and financial institutions from the perspective of the main body. It also points out that the imperfection of laws and regulations leads to the difficulty of relief of financial consumers' rights. The fourth part is to put forward the feasible path of legal protection of financial consumers' personal information right. Through the analysis of the third part, combined with the experience of the developed countries such as the European Union and the United States, this paper puts forward some feasible suggestions for the perfection and improvement of the legal protection of financial consumers in China. The fifth part is a summary of the content of this paper.
【学位授予单位】：北京交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28;D923

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