试论个人金融信息权

On the Right of Personal Financial Informatin

随着金融科技的不断发展,金融消费者个人金融信息作为一种重要的数据资源,对于提高金融交易效率,促进金融事业的发展具有重要意义。然而,碍于个人金融信息属性的不明确、金融机构的优势地位、法律保护体系不完善等因素,个人金融信息常面临被侵权而难以救助的现实窘况。为此,应当从理论上理清个人金融信息的权利属性,基于其兼具公益和私益、私权和公权之权利属性的特征,反思当下对个人金融信息保护过程中面临的挑战,进而为维护个人金融信息之合法权益探索出一条可行之路。

With the continuous development of financial technology,personal financial information of financial consumers,as an important data resource,is of great significance for improving the efficiency of financial transactions and promoting the development of financial undertakings.However,due to the unclear attributes of personal financial information,the dominant position of financial institutions,the imperfect legal protection system and other factors,personal financial information is often faced with the reality of infringement and difficult to rescue.Therefore,we should clarify the right attributes of personal financial information in theory,reflect on the challenges in the process of protecting personal financial information based on its characteristics of both public and private interests,private rights and public rights,then explore a feasible way to safeguard the legitimate rights and interests of personal financial information.