大数据时代背景下金融消费者平等权利保护研究

Financial Consumers’ Equal Rights Protection in the Big Data Era

大数据时代的高速发展催生了新型的金融风险。由于金融市场数据信息的不对称、算法的不公正等,使处于弱势地位的金融消费者平等权利难以得到保护。因此,我国可以借鉴一些发达国家的成功经验,如完善金融消费者个人信息保护制度,设立专门的个人信息保护机构及“去中心化”的区块链技术对金融监管者进行有效、实时的再监管,并建立一整套完善的数据信息共享机制、智能化的动态监管体系以及试验性的“沙盒监管模式”。唯有革新与完善监管方式、监管体系等,将金融监管者的权力囚禁在“牢笼”内,使巨头企业、监管者和市场主体处于平等、共商的地位,方能彰显法律的平等价值。

The rapid development of big data has given rise to some new types of financial risks. Due to theasymmetry of the financial market data information and the injustice of the algorithm, it is difficult forfinancial consumers to protect their equal rights. Therefore, it would be helpful for the Chinese governmentto learn from successful developed countries in terms of optimizing the financial consumers informationprotection system, setting up special personal information protection agencies and "decentralizing" theblock chain technology, in order to finally realize an effective and real-time re-regulation to the financialregulators, establish a brunch of data sharing mechanism, intelligent dynamic supervision system andexperimental "sand box mode". Only by innovating and improving the regulatory methods & systems andby “imprisoning” the regulators power in cage, as well as putting giants, regulators and market players in anequal and mutually negotiated position, can we demonstrate the equal value of the law.