论互联网金融消费者的安全权及其保护

On Safety Rights and Protection of Internet Finance Consumers

互联网金融具有金融和网络双重属性,这使得在其消费者安全权中"信息安全"应取代"人身安全"成为被保护的重点。目前,互联网金融消费者安全权保护制度仍具有较多缺陷:这一方面是由将传统金融和互联网金融区别对待而产生的财产安全保护不公平造成的;另一方面则是由具体规则缺失而产生的信息安全保护难落地造成的。要完善互联网金融消费者安全权保护机制,必须针对这些症结,沿用存款保护和投资者适格制度给互联网金融消费者以同等保护,并课予互联网金融经营者一些新增的信息保护义务。

Internet finance possesses dual attributes of both finance and the Internet,which enables "information safety" among safety rights of its consumers to replace "personal safety" to become the key protection object.At present,there are still lots of deficiencies in the safety rights protection system for Internet finance consumers.On one hand,it is because of unequal property safety protections caused by different treatments extended to traditional finance and Internet finance.On the other hand,it is because of difficulty in carrying out information safety protections due to absence of specific rules.In order to improve the safety rights protection system for Internet finance consumers,deposit protection and investor suitability systems must be adopted to aim at these crucial reasons so as to offer equal protections for Internet finance consumers and impose some newly-added information protection obligations on Internet finance operators.