互联网金融背景下消费者的隐私权保护

发布时间：2018-04-28 01:58

本文选题：互联网金融 + 消费者　；参考：《华东政法大学》2015年硕士论文

【摘要】：随着计算机技术的普及和科技的创新,新兴的互联网金融蓬勃发展,包括P2P、股权众筹、第三方支付等新兴产品和服务层出不穷,与此同时也推动了传统金融服务与互联网的密切结合,各种传统金融服务纷纷推出了构建于互联网平台之上,结合了实时传输、身份识别技术等高科技手段的新型服务模式。这一系列金融产品和服务在网络载体上的活跃,使得网络消费逐渐成为消费者日常生活甚至工作中的重要交易模式之一。这些新型的产品和服务不仅完全突破了空间和时间的束缚,给消费者提供了极大的便利,也为消费者提供了更加多样化的服务,覆盖了生活中的方方面面,使得消费者在享受多样服务时都能直接体会到新型互联网金融模式带来的巨大便利。然而在享受科技和经济发展带来的便捷生活的同时,我们不能忽视,与此同时消费者的隐私遭受侵犯的风险也在显著增加,网络载体在加速服务提供的同时也加速了隐私侵权的传播速度,扩大了隐私侵权的辐射范围,使得新时代背景下隐私遭受侵害的程度更加严重。另一方面,由于我国目前尚未建立起专门的隐私权保护体系,保障消费者隐私权的法律法规严重缺位,特别是缺乏消费者得以直接援引的法律法规,这就使得消费者主动维权之路变得异常艰难。这些责任追究途径的不畅通同时也助长了社会侵犯隐私、从事隐私交易等不正之风,侵权行为人多抱以“法不责众”的心态而更加无所畏惧,这反过来也加剧了消费者遭受隐私侵权的发生。伴随互联网迅猛发展创新而屡屡爆出的隐私泄露事件在一次又一次提醒我们,保障消费者的隐私权迫在眉睫,构建起符合我国国情的隐私权保护体系,强化消费者自我保护意识,畅通消费者维权通道亟需落实。本文以消费者的隐私权为研究对象,以当前互联网金融的发展现状为背景,结合比较研究的方法,沿着隐私权理论的基本渊源,在分析我国隐私权保护现状的基础之上,充分借鉴欧美各有所长的保护模式,并拟对我国构建起消费者的隐私权保护制度提出可行的建议。本文除引言和结论部分外共包含五个部分:第一部分,隐私权基本理论概述。此部分为全文的理论根源,从隐私和隐私权的基础理论出发,结合沿革历程表明隐私权的内涵和外延随时代和社会变革而不断调整,并且结合隐私权与消费者基本权利的关系,阐释消费者隐私权保护的理论基础。第二部分,互联网金融对消费者隐私权保护的挑战和冲击。在前文隐私权基本理论的基础之上,分类论述当前常见的隐私侵权行为,提出互联网金融发展给当前消费者隐私权保护带来的主要挑战。同时在此部分也着重梳理了个人信息与隐私的关系,即虽然相互独立但有所重合,且随着互联网金融的发展重合度显著提高,隐私信息占据隐私总比重日益增加的趋势。强化了本文的主要侧重点为隐私信息的保护,强调了相比传统隐私权保护模式现代新型隐私权保护的特殊性。第三部分,互联网金融环境下消费者隐私收集的法律保护。此部分从隐私保护的首要环节——收集过程出发,先找寻出现存体制下在隐私收集方面暴露出的主要问题,然后梳理当前我国法律法规对隐私收集的保护现状,最后结合美国和欧盟在隐私收集方面的保护方式进行比较和借鉴。第四部分,互联网金融环境下消费者隐私利用的法律保护。此部分从隐私信息收集之后的利用过程入手,首先提出当前隐私利用过程中存在的主要问题,然后简要介绍我国现存法律法规对隐私利用的规范和要求,并且结合美国和欧盟的立法和实务经验予以借鉴。第五部分,互联网金融环境下我国消费者隐私权的法律保护。本部分在前文基础理论、互联网金融背景下特殊性分析以及比较研究的基础之上,针对前述提出的隐私收集和利用方面存在的主要问题,从完善隐私立法、强化制度设立、探索行业自律和隐私认证、增强消费者教育和整合救济途径这几个角度出发,提出了建立和完善我国消费者隐私权保护制度的建议。
[Abstract]:With the popularization of computer technology and the innovation of science and technology, the emerging Internet finance has flourished, including P2P, public equity, third party payment and other emerging products and services. At the same time, it has also promoted the close combination of traditional financial services and the Internet, and various traditional financial services have launched the Internet platform. With the combination of real-time transmission, identification technology and other high-tech means of service, this series of financial products and services are active on the network carrier, making the network consumption gradually become one of the important transaction modes in the daily life and even work of the consumer. These new products and services not only completely break through the space and the service. The shackles of time provide the consumers with great convenience, provide more diversified services for consumers, cover all aspects of life, and make consumers enjoy the great convenience brought by the new Internet financial model in the enjoyment of various services. However, it is convenient to enjoy the development of science and technology and economic development. At the same time, we can not ignore, at the same time, the risk of consumer privacy is also increased significantly. The network carrier also accelerates the spread of privacy infringement at the same time, and expands the scope of privacy infringement. On the other hand, the degree of privacy is more serious under the background of the new era. Since our country has not yet established a special privacy protection system, the laws and regulations to guarantee the right to privacy of consumers are seriously absent, especially the lack of laws and regulations that consumers can directly invoke. This makes the consumer's way of safeguarding the rights of the consumer become very difficult. Privacy, private trading and other unhealthy tendencies, the infringers are more fearless about the "unaccountability" mentality, which in turn aggravates the occurrence of privacy violations by consumers. The privacy leaks, which have been repeated with the rapid development of the Internet, remind us of the privacy of consumers once and again. It is imminent to build up the right to protect the privacy of our country, strengthen the awareness of the consumer's self protection and unimpede the channel of consumer protection. This article takes the consumer's right of privacy as the research object, taking the current situation of the development of Internet finance as the background, and combining the comparative research method, along the basic abyss of the privacy right theory. On the basis of analyzing the current situation of the protection of the right of privacy in our country, we should fully draw lessons from the protection patterns of Europe and the United States, and propose a feasible proposal for the construction of the protection system of the right of privacy for consumers in our country. This article includes five parts except the introduction and the conclusion part: the first part, the basic theory of the right to privacy. From the basic theory of privacy and the right to privacy, the theoretical origin, combining with the history of evolution, shows that the connotation and extension of privacy rights are constantly adjusted with the times and social changes, and the theoretical basis of the protection of consumer privacy is explained in the light of the relationship between the right of privacy and the basic consumer rights. The second part, the Internet finance has the right to consumer privacy. On the basis of the basic theory of the right to privacy, this paper classifications discuss the current common privacy violations, and put forward the main challenges that the Internet financial development brings to the current consumer privacy protection. At the same time, the relationship between personal information and privacy is emphasized in this part, that is, although it is independent but heavy. And with the increasing overlap of Internet finance, the increasing trend of privacy information occupies a growing proportion of privacy. The main focus of this article is the protection of privacy information, and the special character of modern privacy protection is emphasized compared with the traditional privacy protection mode. The third part, consumption under the Internet financial environment. This part starts from the first link of privacy protection, the collection process, first to find out the main problems exposed in the privacy collection under the existing system, then combs the current status of the protection of privacy collection in our country's laws and regulations, and finally combines the protection of privacy collection in the United States and the EU. The fourth part, the legal protection of the use of consumer privacy in the Internet financial environment. This part begins with the use process of the collection of privacy information, first puts forward the main problems existing in the current process of privacy utilization, and then briefly introduces the standards and requirements of the existing legal laws and regulations on the use of privacy in our country, and Combining the legislative and practical experience of the United States and the EU for reference. The fifth part, the legal protection of the right of consumer privacy in our country under the Internet financial environment. This part is based on the basic theory, the particularity analysis under the Internet financial background and the comparative study. In order to solve the problem, from the aspects of perfecting the privacy legislation, strengthening the establishment of the system, exploring the industry self-discipline and privacy authentication, enhancing the consumer education and integrating the ways of relief, this paper puts forward some suggestions to establish and perfect the protection system of the consumer privacy in China.

【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8

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