数字人民币应用中个人金融信息的风险及其法律防范

The Risk of Personal Financial Information and Its Legal Prevention in the Application of E-CNY

随着数字人民币应用场景的不断拓展和场景创新的不断提速,个人金融信息逐渐丰富,使用更加频繁,个人金融信息风险也相伴而生,主要表现为数字人民币应用中个人金融信息面临的技术风险、数字人民币指定运营机构对个人金融信息扩张性使用的风险以及中国人民银行“集中化”存储个人金融信息的风险等。尽管现阶段我国个人金融信息保护法律法规逐渐增多,成效明显,但是针对数字人民币应用中个人金融信息风险的法律防范还存在一些问题,如立法规制的分散性、监管机制的滞后性、救济机制的单一性以及指定运营金融机构对个人金融信息授权使用自律的欠缺性等。因此,亟需通过健全数字人民币个人金融信息保护的立法体系、完善数字人民币个人金融信息风险的监管机制、建立多元化的救济机制以及强化指定运营金融机构对个人金融信息授权使用的自律义务等措施,以完善数字人民币应用中个人金融信息风险的法律防范。

With the continuous expansion of E-CNY application scenarios and the continuous acceleration of scene innovation,personal financial information is gradually enriched and used more frequently,and personal financial information risks are also accompanied.The main manifestations are the technical risks faced by personal financial information in the application of E-CNY,the risks of the expanded use of personal financial information by the designated operating institutions of E-CNY,and the risks of“centralized”storage of personal financial information by the People's Bank of China.Although laws and regulations on the protection of personal financial information are gradually increasing in China at this stage,and the effectiveness is obvious,there are still some problems in the legal prevention of personal financial information risks in the application of E-CNY,such as the decentralization of legislative regulation,the lag of supervision mechanism,the single relief mechanism,and the lack of self-discipline of authorized use of personal financial information by designated operating financial institutions.Therefore,it is urgent to improve the legal prevention of personal financial information risks in the application of E-CNY by improving the legislative system for the protection of E-CNY personal financial information,improving the regulatory mechanism for E-CNY personal financial information risks,establishing a diversified relief mechanism,and strengthening the self-discipline obligation of designated operating financial institutions to authorize the use of personal financial information.