On The Legal Protection Of China's Financial Consumer Information

Our society has gradually moved from the Internet era to the big data age,large data is based on the analysis of mass data,to get a great value of products and services,or to be an effective prediction for the future,financial industry is one of the most important applications of large data technology and Internet technology.Under the environment of Internet Finance and big data finance,financial consumer information is a special embodiment of personal information in the financial field,there are differences in the scope of protection and protection methods.Therefore,we need to clearly define the concept and connotation of financial consumer information,and explore a completely different development path from personal information protection.The protection of financial consumer information is of great practical significance for protecting the personal dignity and property interests of financial consumers,promoting the development of large data finance,and constructing the whole social credit system,the in-depth study of the basic theory and related issues of financial consumer information will help to improve the legal system for the protection of financial consumer information in China.Overall,the history of the protection of financial consumer information in China shows the characteristics of late start and no system.In the legislative aspect,the relevant provisions are mainly reflected in the protection of the rights and interests of the financial consumers and the protection of personal information,there are very few provisions concerning the protection of financial consumers' information,many key problems,such as the connotation and extension of the financial consumer information,the rights of the information subject,the exception of the information protection,and the legal responsibility,are lack of legal confirmation.In the process of collecting and utilizing the information of financial consumers,financial information managers often fail to fulfill the basic obligation of information protection,financial consumers also lack basic cognition and protection consciousness to their information,so that tort incidents happen frequently,and financial consumers suffer from double interests loss of spirit and property.The existing ways of right relief are limited,it is difficult to prove the infringement of financial consumers' information.The regulatory body of financial consumer information protection is not clear,the current mode of division supervision is difficult to effectively cope with cross-domain and cross-trade communication of financial information,and the technical level of traditional financial supervision means is also low.In the process of perfecting the protection of the information of financial consumers in China,first,we should consider the protection mechanism of financial consumer's information from the macro level,and learn from the mature personal financial information protection system outside the country on the basis of the reality of financial development in China.To rebuild the protection concept of right standard for the information of financial consumers,and view information security as the primary principle of information protection.Secondly,in the concrete measures of the financial consumer information protection,the legislative protection system of the financial consumer information should be perfected,Specifically,making clear the contents of information protection,and establishing exceptional provisions for information protection,so as to maximize the value of information circulation.Standardizing the collection and processing of financial consumer information,financial information managers must fulfill their obligations to protect the basic information,do a good job of training and management of internal personnel,and reduce the leakage of financial information.In terms of rights relief,constantly improving China's financial litigation system,and constructing non-litigation dispute resolution mechanism in the financial field,providing financial consumers with more low-cost and efficient solution channels.We should gradually strengthen the regulatory concept of protecting financial consumers' rights and interests,absorb the advantages of functional regulatory mode to adapt to the financial innovation and information flow under the trend of mixed operation,and apply big data technology to the existing regulation mode,so as to better improve the supervision level,at the same time,we should improve the educational protection mechanism of the financial consumer information,and improve the awareness of the information protection of the financial consumers.