Research On The Administrative Supervision System Of Internet Financial Consumer Personal Information Protection

In recent years,with the development of science and technology and the arrival of the era of big data,the Internet financial market is also in a stage of rapid development,and its own risks will increase in concealment,infectivity,universality and suddenness.The rapid,disordered and risky development of Internet financial market has aroused the vigilance and soberness of the government,consumers and even enterprises themselves.One of the most important problems is the security of personal information.In the Internet financial transactions,the risk control of personal information is not perfect,which easily leads to other information risks besides economic risks,especially sensitive information issues such as consumer identity.Some internet financial enterprises pursue business expansion and profitability unilaterally,adopt some controversial and high-risk transaction modes,and do not establish a mechanism for customer identification,transaction record keeping and suspicious transaction analysis and reporting,which is easy to create conditions for illegal activities such as money laundering by illegal elements using the platform;some Internet enterprises do not pay attention to internal management and information security The level of full protection is low,and there is a risk of customer privacy disclosure.In order to protect the personal information security of Internet financial consumers,the intervention of administrative supervision is particularly important.This paper attempts to study the administrative supervision system in the protection of personal information of Internet financial consumers to promote the protection of personal information.This paper is divided into six parts.The first part is the introduction,which introduces the research background,significance,literature review and research methods of the administrative supervision system of Internet financial consumer personal information protection.The second part is the general theory of the administrative supervision system for the protection of the personal information of Internet financial consumers.It combs and distinguishes the concepts of financial consumers,Internet financial consumers,personal information,Internet financial consumers’ personal information and administrative supervision system,and expounds the connotation and characteristics of the personal information of Internet financial consumers and the personal information of Internet financial consumers The content of administrative supervision system of human information protection.In the third part,based on the understanding of the basic concepts of the second part,the author analyzes the current situation of the administrative supervision system for the protection of the personal information of Internet financial consumers in China,and puts forward four points: the imperfect construction of the administrative supervision system,the decentralization of the administrative supervision institutions and the unclear rights and responsibilities,the relative limitation and lack of the specific rules of the administrative supervision,the lack of detailed and effective legal responsibilities of the administrative supervision 。 The fourth part is the experience and Enlightenment of the administrative supervision system in the protection of the personal information of Internet financial consumers in foreign countries.This paper selects the legal systems of the European Union,the United States and the United Kingdom to analyze,and obtains the relevant enlightenment to solve the existing problems in China.The fifth part is the legal suggestions to improve the administrative supervision system of the protection of personal information of Internet financial consumers in China.In view of the existing problems pointed out in the third part and combined with the foreign experience and Enlightenment in the fourth part,it is proposed to formulate special administrative laws and regulations for the protection of personal information of Internet financial consumers,to clarify the administrative supervision system,to improve the specific rules of administrative supervision,and to strengthen Four suggestions on the legal liability system of administrative supervision.The last part is the conclusion,which summarizes the main content of this paper.