The Research On Financial Consumer Information Rights Protection System In The Age Of Big Data

Advances in information technology to financial industry change the old way of service,as the other party’s financial consumer individual behaviors are adjusted at the same time,consumers through the self-service system,such as the client to deal with day-to-day affairs,decrease the cost of individual time.Financial service provider based on the client push financial product,provides the settlement of exchange foreign currency and precious metals trading account services,reduce the information transfer spending,improve the utilization efficiency of financial institutions of service resources.Is accompanied by the financial consumers often received some Banks,Taobao merchants,such as real estate agent to send the very purpose of sales calls.It is obvious that the financial consumers’ personal information have been inadvertently become "open secret’consumer financial information leakage problem gradually into the public eye and become social hot topic.This paper defines the part of the "open secret" for the consumer financial information,the financial service provider based on the convenience of services,from individual information,and a product of the individual information processing.Practice,also some people call it financial privacy.Most people hold such views,consumer financial information superiority is a concrete manifestation of people in the field of financial consumer privacy,and therefore should be protected for its.In the process of national financial practice,financial institutions,regulators have made the protection of consumer financial information system.But,also some people think that the value of information need to be in circulation,therefore should build information platform of "sharing",they opposed absolute in the sense of protection the right of consumer financial information.In addition,because of information technology brings explosive growth in various fields data,the era of big data characteristics,more and more businesses will be data as the future survival and development of the necessary resources,customer information in the financial system is necessary for large data.In this paper,under the background of big data,by right of consumer financial information as the research subject,the first part analyses the big data prone to bring in all areas of development opportunity and challenge,the corresponding solve "why should the present protection for consumers in the field of financial information" this problem.The second part is the rights protection of legal analysis,combining with the practical requirements in terms of definition,and the theory of protection the right of information.The third part studies the information protection of the United States,Britain,Switzerland practice,seek three models in the logical consistency,as well as below.The fourth part reflection on the current situation of our country,the overall consumer information rights protection in China is very perfect,this article selects the three key aspects are analyzed:caused by inadequate legislation behavior are executed according to the loss caused by inadequate,regulatory measures,not enough right relief way and not clear.Suggestion,the fifth part is to perfect this paper article expounded on the basis of before,aiming at the shortcomings of the fourth part put forward,and advances some Suggestions on perfecting:thinking evaluation for large data in personal information and financial consumer information rights,science to determine protected mode,strengthening the support the legislation level,increase the intensity of law enforcement,dredge afterwards relief channels,build form a complete set of management software and hardware facilities.