我国个人金融数据跨境流动的法治保障

Legal Guarantee of Cross-border Flow of Personal Financial Data in China

在对个人金融数据跨境流动提供法治保障方面,我国尽管已经有《网络安全法》《数据安全法》《个人信息保护法》等相关立法,但是,对个人金融数据跨境流动的法律规制仍然存在个人金融信息与个人金融数据概念混乱、缺乏规制个人金融数据跨境流动的专项立法、个人金融数据跨境流动过程中的权利救济机制不完备、在国际规则制定中难以掌握主动权等问题。我们应积极借鉴域外先进立法经验,从以下几个方面完善个人金融数据跨境流动的法治保障:厘清个人金融数据与个人金融信息的界限、加快专门立法的制定、强化个人金融数据跨境流动权利救济机制、积极参与国际规则制定。

As for providing legal guarantee for the cross-border flow of personal financial data,although China has the Network Security Law,Data Security Law,Personal Information Protection Law and other relevant legislation,there still exist some problems as follows:the concept of personal financial information and personal financial data is confused;special legislation onthe cross-border flow of personal financial data is absent;right relief mechanism in the process of cross-border flow of personal financial data is incomplete;and the initiative in international rule-making is weak.To this end,it is necessary for us to actively learn from the advanced legislative experience abroad to improve the legal protection of the cross-border flow of personal financial data from the following aspects:clarifying the boundary between personal financial data and personal financial information,accelerating the formulation of special legislation,strengthening the right relief mechanism for the cross-border flow of personal financial data,and actively participating in international rule-making.