对个人金融信息权益保护工作的思考

The Reflection on the Personal Financial Information Right Protection

近年来,随着全球金融业信息化和网络化不断发展,个人金融信息侵权行为不断增加,这不但会侵害客户合法权益,也会增加金融机构诉讼风险和运营成本,进而影响地区金融生态环境和金融安全稳定。本文在实地调查克拉玛依地区个人金融信息领域金融消费者权益保护现状和不足的基础上,通过借鉴欧美国家的先进经验,提出了相应的对策建议。

With the development of global financial informatization and networking, the tort of personal financial information has been increasing in recent years. It will not only damage the customers＇ legal interest but also increase the financial institutions＇ legal ac- tion risk and operation cost, thereby affect regional financial ecological environment and security and stability. On the basis of spot investigation on current situation and drawbacks of the financial consumer right protection in the field of personal financial information in Karamay, learning from the experience of Europe and American countries, the paper puts forward corresponding countermeasures.