论互联网金融消费者信息权益的法律保护

发布时间：2018-07-31 18:47

【摘要】：互联网金融消费者信息指参与互联网金融消费的过程,与消费者相关并且能体现消费者各项特征,可用于间接或者直接识别消费者身份的信息,其人格内涵与自然人的一般人格权紧密联系,其财产内涵与信息的商业价值相关。这两种内涵凸显保护互联网金融消费者信息权益的必要性。互联网金融消费者信息权益现实状况堪忧,呼唤法律更周全的保护,但我国现行法律对于此类信息的保护常陷于尴尬的境地,相关规范既不清晰也不全面,忽略了对信息权益的财产内涵的保护。美国、日本、欧盟和澳大利亚等以隐私权和信息自决权为基石建立了相对完善的信息权益保护制度,为我国设置保护互联网金融消费者信息权益的原则和规则提供了借鉴。我国保护互联网金融消费者信息权益的原则主要是信息保护与促进信息流动相平衡、个人信息的人格内涵和财产内涵并重、行政领域与商业领域并重、确权和救济并行;相关的保护规则应明确互联网金融消费者信息的范围、相关权利的属性以及信息处理者的义务。
[Abstract]:Internet financial consumer information refers to information that participates in the process of Internet financial consumption, is relevant to consumers and can reflect the characteristics of consumers, and can be used to identify consumers indirectly or directly. Its personality connotation is closely related to the general personality right of natural person, and its property connotation is related to the commercial value of information. These two connotations highlight the necessity of protecting the information rights and interests of Internet financial consumers. The information rights and interests of Internet financial consumers are in a worrisome situation, which calls for more comprehensive protection of the law. However, the protection of this kind of information in the current law of our country is often in an awkward position, and the relevant norms are neither clear nor comprehensive. Ignoring the protection of the property connotation of information rights and interests. The United States, Japan, the European Union and Australia have established a relatively perfect information rights protection system based on the right to privacy and the right to information self-determination, which provides a reference for China to set up principles and rules to protect the information rights and interests of Internet financial consumers. The main principles of protecting the information rights and interests of Internet financial consumers in China are the balance between information protection and promotion of information flow, the personality connotation and property connotation of personal information, the equal emphasis of administrative field and commercial field, and the coexistence of confirmation right and relief. Relevant protection rules should clarify the scope of Internet financial consumer information, the attributes of relevant rights and the obligations of information handlers.
【作者单位】：哈尔滨工业大学法学院;
【基金】：哈尔滨工业大学人文社会科学研究资助计划项目“互联网金融消费者权利保护——一般性反欺诈条款的引入”(中央高校基本科研业务费专项资金资助,HIT.HSS.201514,负责人:郭丹)
【分类号】：D923.8

【相似文献】