开放银行实践:数据可携权及其监管逻辑

Open Banking in Practice: The Right to Data Portability and the Logic Behind its Supervision

开放银行作为银行业应对金融数据应用展开创新所催生的一种新兴商业模式,不仅是技术与平台的更新迭代,更是开放、共享及共赢理念在银行业的集中体现。因数据共享和迁移与隐私保护之间存在实然冲突,致使开放银行之价值展现远未实现其制度设计初衷。数据可携权应金融数据共享需求而生,是开放银行的权利基础。然而,在数据保护和竞争规则等领域,数据可携权制度安排与其最初立法初衷悖反,引致数据监管难题亟待解决。有关开放银行数据可携权制度以及数据监管选择方面,中国监管部门采取了审慎保留态度,由此规避可能因立法决策错误所导致的数据安全隐患风险。

As an emerging business model arising from innovation from the application of financial data in the banking industry, open banking is not only an updated iteration of technology and platform but also a concentrated manifestation of the concept of openness, sharing, and mutual benefit in the banking industry.Given the realistic conflicts between data openness and privacy protection in data sharing and migration, the value of open banking is yet to reach the original intention of its system design.Born in response to the need for financial data sharing, the right to data portability serves as the foundation of open banking rights.However, in areas such as data protection and rules of competition, institutional arrangement for the right to data portability goes against the original intention of the legislation initially, resulting in data supervision problems that require urgent solutions.To prevent potential data security risks that could result from errors in legislative decisions, the Chinese regulatory authorities have adopted a cautious and reserved attitude toward the institution of the right to data portability and the selection of data supervision in open banking.