隐私计算在金融领域的合规性分析

Privacy preserving computing in the financial field

目前,行业内各家银行、保险等企业对自有数据已经做了比较充分的挖掘。面对同质化竞争,传统金融创新需要向融合机构内、外部数据以支持面向线上场景的转型。在数据融合需求旺盛的同时,近年来外部数据协作频频被爆出数据不正当使用、侵犯客户隐私、业务合规性存疑等问题。基于此,对现有法律法规中的数据合规性问题进行梳理,并结合隐私计算具体应用场景以及隐私计算原理,对隐私计算在金融领域的合规性进行分析。

At present,banks,insurance companies and other financial institutions have fully excavated their own data.Facing the homogeneous competition,the innovation of traditional financial services needs to be transformed to support online scenarios by exploring and integrating both internal and external data.While the demand for data fusion usage is booming,in recent years,external data collaboration has been frequently exposed to the problems of improper data uses,violation of customer privacy,and its doubtfulness business compliance.In this paper,we sort out the data compliance issues existed in the current laws and regulations,and analyze the compliance of privacy preserving computing according to its technical principles and applications in the financial services.