金融数据共享对个人信息保护的冲击与理性应对

The Impact of Financial Data Sharing on Personal Information Protection and Its Rational Response

数字经济时代,数据已成为推进社会进步和经济发展的核心引擎,金融数据共享是数据释放经济价值的必要途径。海量个人信息作为金融数据的重要组成部分,通过金融数据共享实现金融数据的流转,在意定共享模式为主法定共享为辅金融数据共享中,需要确保私法与个人自治的决定权,但在金融数据共享的过程中,金融科技的融入让数据流通高效便利,实践中过度依赖金融科技力量进行金融数据自动化的匹配难免会对个人信息保护造成一定的冲击,致使个人信息保护规则失范、范式失真、理念失灵,最终无益于金融消费者个人信息权益保障。因此,有必要制定金融数据保护法,完善金融数据共享激励机制,建构个人信息在金融数据共享中的权益保障体系,以实现金融数据共享与个人信息保护之间的利益平衡。

In the era of the digital economy,data has become the core engine for advancing social progress and economic development.Financial data sharing is essential for unlocking the economic value of data.As an integral component of financial data,the massive amount of personal information facilitates the circulation of financial data through sharing.It is crucial to ensure the rights of private law and individual autonomy in financial data sharing,primarily through consensual sharing supplemented by statutory sharing.However,the integration of financial technology into the financial data sharing process enhances the efficiency and convenience of data flow.In practice,excessive reliance on financial technology for automatic matching of financial data can significantly impact personal information protection,leading to the erosion of protection rules,distortion of paradigms,and failure of concepts,ultimately undermining the protection of personal information rights and interests of financial consumers.Therefore,it is necessary to formulate a financial data protection law,improve the incentive mechanisms for financial data sharing,and establish a system to protect the rights and interests of personal information within the context of financial data sharing,thereby achieving a balance between financial data sharing and personal information protection.