我国金融隐私数据跨公司流动的法律规制

Legal Regulation of Financial Privacy Data Flow across Companies in China

随着数字经济的蓬勃发展,对于公司个体信息数据保护的相关法律规制仍旧较为模糊,国家正在逐步完善收集、使用、控制和处理金融隐私信息数据的相关法律规制。近年来,根据《数据安全法》的要求,我国逐步加强了对于数据分级和分类标准的规定,对其提供了相应的保护。同时,国家的金融监管部门也加强了对这些金融隐私数据的保护。但是随着社会的不断发展,金融信息数据跨越公司流动时也出现了诸多的问题。甚至于在数字世界中,某些公司的个人数据主体的个人信息权或隐私权受到了不法的侵害,他们在寻求补救和救济措施过于繁琐。如何像欧美国家那样建立起完善的个人数据保护,借助立法在实施和执行上切实加强保护,尤其是加强对于公司金融隐私数据的保护,是摆在社会面前的一项重大挑战。因此,本文致力于研究这一论题,针对企业个体之间的金融隐私数据在进行跨公司流动的过程中,公司数据主体的信息权或隐私权受到不法侵害的现象进行分析,从实际出发,提出保护金融隐私数据的建议,即建立以行业自律规范体系为基础的金融数据流通合作框架,通过明确金融数据隐私保护框架中的责任原则,对跨公司流动的数据内容加强监管;以问责制为原则推进行业自律及自我规范体系的构建;本论文拟以《民法典》等为核心,在企业间金融隐私数据流通的法律规制中,查找相关的问题和缺陷,力争提出相关建设性的意见,通过法律手段强化对企业金融隐私数据的保护,促进我国相关领域的研究进展。

With the booming development of the digital economy,relevant laws and regulations on the protection of individual data of companies are still relatively vague.The state is gradually improving relevant laws and regulations on the collection,use,control,and processing of financial privacy information and data.In recent years,in accordance with the requirements of the Data Security Law,China has gradually strengthened the provisions on data grading and classification standards to provide corresponding protection for data.At the same time,the financial regulatory authorities have also strengthened the protection of financial privacy data.But with the continuous development of society,there are many problems when financial information data flow across companies.Even in the digital world,the personal information right or privacy right of some companies have been illegally violated,and the remedies and remedies they seek are too cumbersome.How to establish a sound system of personal data protection like the European and American countries and practically strengthen such protection by virtue of legislation in the implementation and enforcement,especially for the financial privacy data of companies,is a major challenge facing the society.Therefore,this paper is devoted to the study of this topic,focusing on the phenomenon that the right to information or the right to privacy of the data subject is infringed illegally in the process of financial privacy data transfer between enterprises,make recommendations on the protection of financial privacy data based on actual conditions,that is,establish a cooperation framework for financial data circulation based on the industrial self-regulatory system,and strengthen the supervision of the data content flowing across companies by specifying the responsibility principles in the protection framework for financial data privacy;To promote the construction of industry self-discipline and self-regulation system based on the principle of accountability;Based on the Civil Code,this paper tries to find out the relevant problems and defects in the legal regulation of financial privacy data circulation among enterprises,and try to put forward some constructive suggestions to strengthen the protection of financial privacy data by legal means,and to promote the research in this field.