金融数据垄断规制研究

The Regulation of Financial Data Monopoly

随着越来越多的互联网行业经营者涉足金融业务,金融数据控制者已从银行、证券公司等传统金融持牌机构向脱胎于互联网企业的新型金融持牌机构演变。金融数据固有的敏感性、负外部性、非竞争性等特征使得普通消费者"风险自担"的立场面临瓦解,作为典型表现形式的算法合谋等垄断协议的达成、拒绝交易等滥用市场支配地位的行为以及经营者集中带来的数据集合均呼唤合理的、有效的反垄断规制。在针对金融数据行为进行规制的过程中,仍需关注以企业为基点的自由竞争价值与以社会为基点的整体效益价值之间的协调,做到妥善处理好个人信息保护与市场竞争之间的互动关系。

With more and more Internet industry operators involved in fi-nancial business,financial data controllers have evolved from traditional finan-cial licensed institutions such as banks and securities companies to new finan-cial licensed institutions derived from Internet enterprises.Financial data in-herent sensitivity,negative externalities,non-competitive characteristics makeordinary consumers’own risk position facing collapse,as a typical form of algo-rithm such as conspiracy of monopoly agreements,refused to deal such as thebehavior of abuse of dominant market position and the concentration of datacollection call for reasonable and effective antitrust regulation.In the process ofregulating financial data behavior,it is still necessary to pay attention to thecoordination between the value of free competition based on the enterprise andthe value of overall benefit based on the society,so as to properly handle theinteraction between the protection of personal information and market competition.