个人金融信息保护及监管研究——基于金融集团经营模式视角

Research on the Protection and Supervision of Personal Financial Information——From the Perspective of Financial Group Business Model

近年来,我国金融综合经营趋势日益明显,金融集团业务具有内部关联性、隐蔽性等特点,金融集团为减少成本,增强竞争力,利用控股优势,在集团内部共享客户信息成为一种常态,但却呈现出一种无监管的状态。金融集团个人金融信息保护既存在一般金融机构在个人金融信息保护方面显现的共性问题,还存在集团模式下所引发的特殊问题,究其原因,主要在于法律法规缺位、监管不力、金融机构自律不够等。本文针对这些问题,提出了构建我国金融集团个人金融信息保护框架的构想。

In recent years,the trend of comprehensive financial management in China is becoming more and more obvious,and the business of financial groups has the characteristics of internal relevance and concealment.In order to reduce costs,enhance competitiveness,it has become a norm to share customer information within the group making use of holding advantages,but it presents an unsupervised state.The protection of personal financial information of financial groups not only has the common problems of general financial institutions in the protection of personal financial information,but also has the special problems caused by the group model.The main reasons are the absence of laws and regulations,weak supervision,lack of self-discipline of financial institutions,and so on.In view of the problems,this paper puts forward the idea of constructing the framework of personal financial information protection of financial groups in our country.