论金融机构在数据挖掘中的个人信息保护义务

Personal Information Protect Duty of Financial Institutions in Data Mining

金融机构利用数据挖掘获取具有经济价值的信息,会产生消费者收益被剥夺、个人隐私权被侵犯、消费者个人信息泄露等个人信息安全隐患,导致数据流通秩序的破坏。金融消费者的信息保护是数据利用的基础,而数据利用与流转是数据经济乃至金融机构的“血液”,两者均不可偏废。保护义务的构建,需要完善数据交易市场的数据相关权属,共享数据挖掘成果;健全数据挖掘个人信息保护相关法律法规,以是否“加密并无法还原”为标准,设置不同的数据处理规则,最终达到个人数据保护与数据利用流转之间的平衡。

Financial institutions use data mining to obtain information with economic value,but it will cause personal information security hazards such as deprivation of consumer income,infringement of personal privacy rights,and leakage of consumer personal information,leading to the destruction of the order of data circulation.The information protection of financial consumers is the basis of data utilization,and data utilization and circulation are the“blood”of the data economy and even financial institutions,and neither should be neglected.The establishment of protection obligations requires the improvement of data-related ownership in the data trading market and the sharing of data mining results;complete laws and regulations related to data mining personal information protection,and set different data processing rules based on whether“encryption cannot be restored”as the standard.To achieve a balance between personal data protection and data utilization and circulation.