个人金融信息保护制度研究及国际比较

Research on Personal Financial Information Protection System and International Comparison

在金融市场快速发展和信息化程度不断提升的当今社会,个人金融信息安全与财产安全的关联度日益密切,并关系到我国金融和信息体系的稳健发展。本文主要从制度层面系统分析了我国在金融消费者个人信息保护方面的现状和存在的问题,并通过比较美国、日本、欧盟等国家和地区对个人金融信息保护制度建设的成功模式和经验,有针对性地提出建立健全我国个人金融信息保护制度的政策建议。

In today's society,with the rapid development of financial market and continuous improvement of informatization,personal financial information security is increasingly closely related to property security,which is also related to the steady development of China's financial and information system.This article mainly analyzed the present situation and the existing problems of financial consumer personal information protection in China from institutional level.At the same time,Some policy proposals on how to establish and improve the system of personal financial information protection in China were put forward by comparing with the United States,Japan,the European Union and other countries and regions in which personal financial information protection system have taken successful models and experience.