Research On Personal Information Protection Of Internet Financial Consumers

Under the new normal of China’s economy,Internet finance has sprung up and developed rapidly.It has played a positive role in solving the financing difficulties of SMEs,guiding the flow of private capital and developing inclusive finance.However,due to the particularity of Internet finance,the incidents of infringement of the personal information rights of the Internet financial consumers have occurred frequently.Paying attention to the protection of personal information rights of Internet finance consumers is the key to the long-term healthy development of Internet finance.Based on the theoretical connotation of Internet financial consumers,this paper studies and analyzes the status quo of personal information protection of Internet finance consumers in China,and proposes feasible suggestions for the construction of China’s Internet financial consumer personal information rights protection system.This article mainly includes the following parts:The first part mainly sorts out the related concepts of Internet financial consumer personal information protection.The basic connotation of Internet finance,Internet finance consumers,and Internet financial consumer personal information is discussed in detail,thus forming the theoretical basis for the research of Internet financial consumer personal information protection.The second part expounds the challenges faced by Chinese Internet finance consumers in the era of Internet finance according to the actual situation in China,and summarizes the threats faced by consumers in the collection,storage and utilization of personal information.The need for the protection of personal information of Internet finance consumers and the difficulties faced by legal protection.The third part combs the current situation of China’s current protection of the Internet financial consumer personal information from the aspects of legislative protection,administrative supervision and protection and industry self-discipline protection,and analyzes the dilemma faced by the protection of three channels.The fourth part introduces the relevant experiences of personal information protection models in the United States,the European Union and Japan from the aspects of legislation,supervision and industry self-discipline,and further provides enlightenment and reference for the construction of personal information protection system for Internet finance consumers in China.In the fifth part,from the establishment of the Internet financial consumer personal information protection legal protection system,the improvement of the administrative supervision system,and the self-discipline function of the industry associations,the paper puts forward suggestions for improving the personal information rights protection system of Internet finance consumers in China.