INFORMATION SECURITY PROTECTION OF FINANCIAL CONSUMERS UNDER OPEN BANKING IN CHINA

我国开放银行金融消费者的信息安全保护

The essence of open banking is the information sharing between commercial banks and other financial institutions as well as third-party platforms.While promoting the sharing and utilization of information,there are also potential threats to the information security of financial consumers.Therefore,under the mode of open banking,the information security protection of financial consumers should be emphasized.Legislative departments and financial regulators should establish the concepts of giving priority to information security,giving preferential protection to financial consumers.Financial consumers should be given the right to control personal related information,the security obligations of financial institutions should be clarified,and the behavior of operators to obtain and process financial consumers’information should be regulated through legislation,so as to balance the conflict between information sharing and information security.

开放银行的实质是商业银行和其他金融机构、第三方平台之间的信息和数据共享,其在促进信息共享和利用之同时也潜藏着对金融消费者信息安全之威胁。由此,在开放银行下应当注重金融消费者的信息安全保护。立法部门和金融监管机构应当确立信息安全优先和对金融消费者予以倾斜性保护的理念。通过立法赋予金融消费者信息权或对信息的控制权,规范金融机构及信息处理机构的行为,在金融消费者信息的流转过程中明确并规范相互之间的权利义务关系,以平衡金融数据开发和金融消费者的信息安全。