商业银行保密制度研究

发布时间：2018-06-24 18:36

本文选题：银行保密制度 + 信息披露　；参考：《华中科技大学》2013年硕士论文

【摘要】：银行保密制度是商业银行保护商业机密的重要保障，也是商业银行与客户关系的重要内容之一，对于保障客户的个人隐私权也起着至关重要的作用。英美法系和大陆法系都对商业银行需保障客户的这一权益有十分明确的规定。为客户保密是商业银行作为信用机构的基石，是商业银行对客户遵循的首要义务。商业银行对其在资金交易中获得的客户信息应承担保密责任。但在商业银行的保密制度日趋发展完善的同时，伴随着复杂的社会问题、经济问题的出现，，商业银行的保密制度也日益暴露出了一定的弊端，因此保密制度又不能绝对化和神秘化，各国也从法律层面上规定了保密制度的一些例外规则，即在特定的情形下，为协助金融监管、打击犯罪、开展税务调查等，银行也有义务对部分客户信息予以披露。当前，我国对银行保密制度的认识还不够，尽管公民的维权意识有了很大的提高，遭受侵害时寻求法律救济的意识增强，但是个人财产隐私权保护对于银行保密制度的重要性仍未有充分的认识，立法中也对此没有一个完备的法律体系。随着经济的发展和金融业的不断开放发展，国际间金融业的合作也越来越频繁，很多外来的金融机构也进驻了我国市场，这也因此成为我国完善商业银行保密制度的原因之一。于此同时，商业银行的保密制度也给打击洗钱犯罪、金融监管、税务调查等工作的开展造成了很大的障碍，甚至存在着公民隐私权滥用的现象。忽视对公民金融隐私权的保护和金融隐私权的滥用都会导致严重的社会问题和法律问题，因此在健全商业银行保密制度、保护客户金融隐私权的同时，要兼顾好社会公共利益，找到二者的平衡点。本文旨在从法律层面促进我国商业银行保密制度的完善、统筹好个人隐私权及社会公共利益的关系并提出相关的建议。
[Abstract]:Bank secrecy system is an important safeguard for commercial banks to protect commercial secrets, and also one of the important contents of commercial banks' relationship with customers. It also plays a vital role in protecting the personal privacy of customers. Anglo-American law system and civil law system have very clear stipulation that commercial bank should protect this right of customer. Customer secrecy is the cornerstone of commercial banks as credit institutions, is the first obligation that commercial banks follow to customers. The commercial bank shall assume the duty of confidentiality to the customer information obtained in the fund transaction. However, with the development and perfection of the secrecy system of commercial banks, along with the emergence of complex social problems and economic problems, the secrecy system of commercial banks has increasingly exposed some drawbacks. Therefore, the secrecy system cannot be absolute or mysterious. Countries have also stipulated some exceptional rules of the secrecy system at the legal level, that is, in order to assist financial supervision, crack down on crime, and carry out tax investigations, etc., under certain circumstances, Banks are also obliged to disclose some customer information. At present, our country's understanding of the bank secrecy system is not enough, although citizens' awareness of protecting their rights has been greatly improved, and the awareness of seeking legal remedies in the event of infringement has increased. However, the importance of the protection of personal property privacy to the bank secrecy system has not been fully understood, and there is not a complete legal system in the legislation. With the development of economy and financial industry, the cooperation of international financial industry is becoming more and more frequent, and many foreign financial institutions have entered the market of our country, which has become one of the reasons for our country to perfect the secrecy system of commercial banks. At the same time, the secrecy system of commercial banks has also caused great obstacles to the fight against money laundering, financial supervision, tax investigation and even the abuse of citizens' right to privacy. Neglecting the protection of citizen's right to financial privacy and the abuse of financial privacy will lead to serious social and legal problems. Therefore, while perfecting the secrecy system of commercial banks and protecting the right to financial privacy of customers, it is necessary to take into account the social and public interests. Find a balance between the two. The purpose of this paper is to promote the perfection of Chinese commercial bank secrecy system from the legal level, to coordinate the relationship between personal privacy and social public interest, and to put forward relevant suggestions.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.281

【参考文献】