我国互联网金融企业跨境数据流动相关问题研究

Research on Related Issues of Cross-border Data Flow of Internet Financial Enterprises in China

在全球经济一体化的背景下,中国互联网金融行业应响应国家"走出去"号召,实现数据的对外开放融合。我国高度重视数字经济的发展,习近平总书记曾在主持第十九届中共中央政治局第二次学习时提出"构建以数据为关键要素的数字经济"。然而,我国尚无专门的跨境金融数据保护法律规制,我国互联网金融企业"走出去"时会面临法律风险。本文通过对世界主要国家和地区的跨境数据流动立法以及涉及跨境数据流动规制的双边和多边协议进行了总结和评析,结合我国互联网金融企业的发展现状,对我国的政府和立法机构给出了政策制定建议,对互联网金融企业"走出去"提出了相关应对举措。

In the context of global economic integration, China’s Internet finance industry should respond to the country’s call to "go global" and realize the open integration of data. my country attaches great importance to the development of the digital economy. General Secretary Xi Jinping once proposed "building a digital economy with data as a key element" when he hosted the second study of the 19 th CPC Central Committee Political Bureau.However, there is no special legal regulation for cross-border financial data protection in my country, and Chinese internet financial companies will face legal risks when they "go out". This article summarizes and analyzes the cross-border data flow legislation and bilateral and multilateral agreements involving cross-border data flow regulations in major countries and regions of the world. Based on the development status of China’s Internet financial companies, this paper gives the government and legislative bodies of China In response to policy formulation recommendations, it has put forward relevant countermeasures for Internet finance companies to"go global".