数据爬虫技术对金融信息安全的冲击及制度回应

Impact of Data Crawler Technology on Financial Information Security and the Institutional Responses

滥用数据爬虫技术和不当使用金融数据的行为导致了数据权利人和数据控制者之间的矛盾。这不仅削弱了数据流转的风险约束机制,还导致了数据鸿沟和不平等。金融领域的数据开发应当在强化消费者信息安全保护的基础上,推动数据的有序流动,实现制度建构与法律完善的深度融合。一方面,金融数据开发宜采取保护性利用模式,以矫正过度利用的负效应,实现权利义务配置的多层次效率;另一方面,规范利用数据爬虫技术的数据抓取行为需要实现信息开发和隐私保护的合理分流。建议通过明确个人信息权和个人隐私权保护的差异化配置,强化金融消费者数据的公法保护并完善场景确权与保护机制,从而实现群体保护与个体保护、一般权利与特殊权利的协同发展。

The misuse of data crawlers and financial data has led to conflicts between data owners and controllers,which weakens the risk control mechanism of data flow and creates data gaps and inequality.Based on strengthening security protection of consumers’information,data development in the financial field should promote the orderly flow of data and realize the deep integration of system construction and law improvement.On the one hand,the development of financial data should adopt the mode of protective utilization to rectify the negative effect of excessive utilization and achieve multi-level efficiency in allocating rights and obligations.On the other hand,to regulate the crawling behavior of data crawlers,it is necessary to realize the reasonable separation of information development and privacy protection.In addition,it is helpful to clarify the differentiated allocation of the protection of information rights and privacy rights,strengthen the public law protection of financial consumer data and improve the scene confirmation and protection mechanism to realize the coordinated development of group protection and individual protection,as well as general rights and special rights.