数字化时代个人金融数据治理的“精巧”进路

A “Smart” Approach to Personal Financial Data Governance in the Digital Age

针对个人金融数据的良法善治是我国数字经济发展的关键。个人金融数据治理中出现的数据泄露与管理失范的现象,可能引发直接经济损失及国家安全风险。现有治理体系存在治理框架体系性与协调性缺乏、治理标准不周延、治理路径滞碍颇多、治理对象与结构之间张力显著等问题。“精巧规制”理论主张治理主体与治理工具的多元组合,并在治理体系的诸多方面与个人金融数据治理相适配。朝向“精巧”的个人金融数据治理转型应以政府法令完善数据治理框架,厘清数据治理的底线红线,加强数据全链条保护下的事中阶段治理,倡导政府、第三方组织与公民社会的多元主体协同共治,引导和规范治理对象的自我规制。

Good law and governance of personal financial data is the key to the development of digital economy in China.Data leakage and inadequate management of personal financial data may lead to direct economic losses and even national security risks.There are problems with the existing governance system such as the lack of systematization and coordination in the governance framework,the discrepancy of governance standards,the obstacles in the governance path and the notable tension between the governance object and the structure.The theory of the Smart Regulation advocates the multiple combination of governance subjects and tools,which is compatible with personal financial data governance in many aspects.For “Smart” personal financial data governance,attention should be paid to improving the data governance framework with government decrees,clarifying the bottom-line and red-line of data governance,strengthening governance at the in-process stage based on the protection of the entire data chain,advocating coordination and co-governance between the government,third-party organizations,and civil society,and guiding and standardizing the self-regulation of governance objects.