Research On The Protection Of Individual Financial Information In The Big Data Era

With the development of Internet technology,the era of big data has come.Financial markets continue to innovate,and their services have changed a lot,such as people's life style and habits.Data resources have become the key competitive resources.The emerging data utilization disputes have aroused legal concerns about how the law protects personal financial information wel lwhich is under threat.In China,the protection of personal financial information,work continues to advance.Along with the quick development of the financial sector,as we all know,financial business and the trend of the combination of information technology has become increasingly apparent,the challenge of personal financial information protection is more and more serious.At present,China's legislation does not clearly stipulate the right of personal financial information,and the protection of personal financial information mainly suitable for the provisions of principle,and the administrative authority corrects personal financial information tort by means of administrative management.The fragmentation of legislation and the absence of relief make it necessary to enact specific legislation.The protection of personal financial information has many shortcomings in legislation.It is of great theoretical and practical significance to promote the protection of financial consumers' rights and the healthy development of financial industry to clarify the legal attribute of personal financial information right,comprehensively analyze the problems faced by the legal protection of personal financial information right,and propose a better way to improve the protection ofpersonal financial information right in China.The segmentation and divide-and-rule of supervision blocks the improvement of the actual efficiency of supervision,so it is necessary to establish a unified and efficient supervision system with clear authority allocation on the protection of personal financial information.The value conflict between data utilization and personal information protection requires us to correctly understand the category difference and different legal protection logic of data,privacy and information.In the era of big data,technology has a huge impact on economy,culture and life,and it is the trend of The Times to solve problems by means of technology.The paper will be discussed from the following 5 aspects.The first part is a comparative study and theoretical elaboration of the issues related to personal information protection and financial privacy.The second part is to distinguish the relevant concepts of data,privacy information and personal information,so as to analyze the system of different legislative logics between the application of data and the protection of personal information.In the era of big data,this paper focuses on the particularity of personal financial information protection and discusses the legal attribute of personal financial information right.The third part is to study the current situation and dilemma of legal protection in China.Firstly,it classifies the utilization patterns of personal financial information in the era of big data.Secondly,the damage of personal financial information is studied according to the disputes arising from different data utilization modes.Moreover,from the legislative,regulatory and market value conflicts and technical limitations,etc.,aiming at the current situation of personal financial information is damaged analysis problems of personal information protection.The fourth part is on the basis of the above problem description and analysis of the causes,put forward Suggestions to promote the protection of personal financial information in China.At the legislative level,can be scattered by the underlying unification of legislation mode,specify personal financial information superiority,with big data to guide the definition of the property right of personal financial information boundaries such as legislation,reasonable distribution of civil,administrative and criminal responsibility better damaged personal financial information for relief,gradually raise the level of personal financial information protection.From the perspective of supervision,it is urgent to establish one-stopsupervision,which not only requires leading organizational departments but also requires close coordination and cooperation among various institutions,so as to improve the self-discipline mechanism of practitioners.In practice,many cases show that solving problems by technological means is a good way to deal with the difficulties associated with Internet technology,so we should promote technological progress instead of restricting technological development for fear of choking.The fifth part is an overview of the content of this paper.