Study On The Protection Of Personal Financial Information In Civil Regulations

In real life,financial institutions often use their personal financial information collected and mastered to conduct commercial text messages and telemarketing,which cause certain interference to the personal life of customers and infringe upon the protection of personal information of customers.On the other hand,the disclosure of personal financial information of a small number of customers caused property losses in the client’s financial account.In view of the above-mentioned cases,from the perspective of legal application,the protection of personal financial information in the application of existing civil rules has the following problems: the abuse of format contracts is in urgent need of regulation,and the determination of tort liability is more complicated.Applicable to the above,personal financial information protection has the following problems in the application of the existing civil rules.Compared with domestic countries,the financial industry has achieved high development and its personal financial information protection legal system is perfect.Studying its case law and legislative model has important reference significance in regulating the confidentiality obligations of financial institutions and clarifying the civil liability of financial institutions.In view of the legal application of judicial personal financial information protection in the existing civil rules,from the three aspects of perfecting personal financial information utilization contract protection function,clarifying the identification criteria of financial institution’s infringement damage facts and constructing personal financial information infringement relief mechanism Recommendations on civil rules for the protection of financial information.