Research On Personal Financial Information Protection System

As the financial sector and the development of information technology,financial sector operators from entity to the network,from pen and paper to the data,in addition to the traditional financial institutions,nowadays,online banking,electronic payment tools such as alipay has become the main way to personal financial activities.In the whole process of personal financial information flow,involves the acquisition,storage,use and sharing and pin door handle several major stages,in these stages,the protection of personal financial information have different priorities.In addition to the need to focus on the whole process of privacy protection,prevent information leakage problem any intent or negligence,from the perspective of the behavior in phase to obtain information,to ensure the information flow object,time,application scope,mode of legal authorization,etc.,also want to pay attention to the rationality of format terms used,at the same time to ensure the integrity,correctness of access to information,to avoid problems such as false record information;In the stage of information preservation,it is necessary to pay special attention to the security of information preservation,and strictly regulate and record the people who can view or change the information during the preservation stage;In the information utilization stage,it is necessary to ensure that it is carried out within the scope of prior authorization,and to prevent the excessive use of information;In the sharing stage ofinformation,special attention should be paid to the scope of sharing,and the platform should be set up reasonably and in real time when the platform is involved.Finally,after customer sales,financial industry operators will still be subject to the above rules,and shall not disclose,use or share information without authorization.Therefore,it is necessary to make a special list of personal information in the financial sector.In the current regulations of our country,the protection system of personal financial information is still scattered,and there is no legal regulation of the system.Compared to summarize domestic and foreign existing legal norms,is more advantageous to the how to safeguard the financial sector operators work efficiency under the premise of gives full protection to the personal information owners,balance of financial privacy and personal financial information sharing,guarantee personal can be positive and full exercise of the rights of the individual solutions are put forward.Personal financial information relating to the owner,the financial sector operators as well as the relevant regulatory authorities of several major subject,through between the several main body are connected to form a series of personal financial information legal relationship.The information owner,is the premise and foundation of the existence of the financial industry practitioners are the main carrier and run,is the key to the protection of personal financial information,and the supervision of the regulatory authority is a personal financial information protection regulators.From this Angle is analyzed several main body,easy to research how to protect the individual from the Angle of the parties rights and obligations of financial information and related system construction,especially in monitoring for each main body behavior,only clear the rights and obligations of the parties,strictly to the information more well protected.This article is divided into four chapters,the first chapter of personal financial information connotation definition in the first place,with the difference of the concept of personal information,personal financial privacy and contact,put forward by the analysis of the special significance,and puts forward personal financial information rights is a new kind of independent right,clear the scope of protection of personal financial information,and put forward in the collection,storage,use,cancellation andother stage of the violation and performance,deep reason analysis,for later targeted related protections.The second chapter of personal financial information protection in China,analyzing the present situation and problems of legislative and regulatory classification from the viewpoint of individual ownership of the financial information,personal financial information rights includes two main types of rights that the financial system of the protection of the right of privacy and reasonable sharing list summary,respectively,show preference for privacy protection legislation,need to strengthen the protection of right of sharing,shows that China’s existing laws and improve the deficiency of the direction.The third chapter carries out relevant protection system Suggestions from the perspective of personal financial information related to financial industry practitioners and related financial activities and infringement of information.Financial industry practitioners are the main carriers and operators of information,which is the key to protect personal financial information.However,financial information is infringed upon and requires relevant provisions,especially civil liability.In the system proposal of the sharing stage,we put forward the balance problem and balance plan of financial privacy and reasonable disclosure and sharing right.The fourth chapter makes Suggestions on the protection system of personal financial information from the perspective of supervision.The supervising organ is the supervision and adjustment of personal financial information protection,which is an indispensable element in the whole process of information flow.Combined with the "twin peaks" regulatory research from the Angle of the parties rights and obligations to protect personal financial information and related system construction,especially in monitoring for each main body behavior,strictly made clear the rights and obligations of the parties,will be invisible information data into a tangible object of regulation,and in the field of financial information more difficult to monitor the network,the flow of information data needs to be real-time monitoring,to specialized special regulation of Internet credit reporting industry,put forward the proposal to the protection of information is more rigorous.