我国个人金融信息跨境流动的促进与规制路径

Promotion and Regulation Path of Personal Financial Information Cross-border Flow in China

数字经济的蓬勃发展催生了海量个人金融信息跨境流动的需求,个人金融信息跨境流动已成为网络空间安全的前瞻研究领域,亟需明确对其进行科学促进与合理规制的路径.通过对个人金融信息的特殊性、信息跨境传输的风险以及相关法条规范的分析,总结出我国个人金融信息跨境流动规制面临的3方面困难.在凝练困难关键点的基础上,结合个人金融信息双重属性和数据跨境流动跨越不同法域等特点,提出在我国深化金融市场化改革和金融开放的背景下,构建个人金融信息跨境流动促进与规制路径的解决方法,即平衡个人金融信息跨境流动促进与规制中的多重法益,促进“金融监管”“个人金融信息本地化”“区域间条约、协定”与个人金融跨境流动规则的衔接.

The vigorous development of the digital economy has generated a huge demand for the cross-border flow of personal financial information.The cross-border flow of personal financial information has become a prospective research field of cyberspace security.There is an urgent need to clarify the path for the scientific promotion and reasonable regulation of the cross-border flow of personal financial information.Through analysis of the particularity of personal financial information,the risk of cross-border transmission of information as well as the relevant laws and regulations,this paper summarizes the difficulties of the regulation of the cross-border flow of personal financial information in China in three respects.Then,based on the extraction of key points of the difficulties with the dual attributes of personal financial information and the crossjurisdictional characteristic of cross-border data flow,the promotion and regulation path of the cross-border flow of personal financial information is proposed in the context of deepening financial market-oriented reform and financial opening-up.The conclusion is that China should balance multiple legal interests in promoting and regulating the cross-border flow of personal financial information.Furthermore,it is needed to promote the coordination of“financial supervision”,“localization of personal financial information”,“inter-regional treaties and agreements”and the rules of cross-border flow of personal financial information.