金融数据跨境流动规制的核心问题和中国因应

Core Issues in the Regulation of Cross-border Flow of Financial Data and China’s Response

金融数据跨境流动规制,本质上是国家公权力对金融市场和经济社会生活进行管理而实施的法律限制。这一规制有其国家和社会经济根源,并且应维持在合理限度。金融数据范围、金融数据控制者、金融数据跨境传输的目的和条件是金融数据跨境流动规制的核心切入点。纵观全球立法实践,金融数据呈现出分级分类特征,金融数据控制者的范围有所扩张,而金融数据跨境传输的不同目的对应了不同的跨境传输条件。中国在金融数据保护立法方面作出了持续性努力,但仍存在一些尚待完善的问题。为应对当前问题并放眼未来发展,中国应调整规制思路,并在金融数据范围、金融数据控制者以及金融数据跨境传输目的和条件方面予以完善。

The regulation of cross-border flow of financial data is essentially a legal restriction imposed by the State public power to manage financial markets and economic and social life.This regulation has its national and socio-economic roots and should be maintained at reasonable limits.The scope of financial data,the controller of financial data,and the purposes and conditions of cross-border flow of financial data are the core entry points for the regulation of cross-border flow of financial data.Throughout the global legislative practice,financial data exhibits hierarchical classification characteristics,the scope of financial data controllers has expanded,and different purposes of cross-border flow of financial data correspond to different cross-border transmission conditions.China has made continuous efforts in financial data protection legislation,but there are still some problems that need to be improved.To cope with current problems and focus on future development,China should adjust its regulatory thinking and improve its regulations concerning the scope of financial data,financial data controllers,and the purposes and conditions of the cross-border transfer of financial data.