数字经济视域下个人金融信息的法律保护困境及完善对策

The Legal Protection Dilemma and Improvement Countermeasures of Personal Financial Information from the Perspective of Digital Economy

随着数字经济的快速发展,个人金融信息已然成为重要的生产要素,其价值日渐凸显。个人金融信息具有人格利益和财产利益的双重属性,其不仅关乎个人权益,也关乎国家金融安全稳定。目前,我国尚存在个人金融信息权利属性不明确、法律保护规范体系不完善、执法监管力度不够、行业自律机制有效性发挥不足等问题。在借鉴国外经验基础上,提出完善数字经济时代个人金融信息法律保护的对策和建议:推进个人金融信息保护的系统化法治建设,明确个人金融信息的权利属性、完善司法救济机制,强化对金融机构个人金融信息保护的执法监管,完善行业自律和内部约束机制。

With the rapid development of the digital economy,personal financial information has become an important factor of production,and its value is increasingly prominent.Personal financial information has dual attributes of personal interests and property interests,which not only concerns personal rights,but also national financial security and stability.At present,there are relevant problems in China,such as unclear attributes of personal financial information rights,lack of a standardized legal protection system,insufficient enforcement and supervision efforts,and insufficient effectiveness of industry self-discipline mechanisms.Drawing on foreign experience,it is necessary to strengthen the legal protection of personal financial information in the digital economy era,including the promotion of systematic legal construction of personal financial information protection,clarifying the rights and attributes of personal financial information,improving relief mechanisms,strengthening law enforcement supervision of personal financial information protection by financial institutions,and emphasizing industry self-discipline.