Research On The Legal Protection Of Personal Financial Information Right

Today,with the rapid development of big data,personal financial information is often improperly leaked,used,or even stolen.It is very urgent to fully protect personal financial information rights.Many countries and regions have formulated laws and regulations for the protection of personal financial information rights,and my country should strengthen relevant legislation.Through the research on the legal protection of personal financial information rights,this article attempts to explore ways and countermeasures to improve the legal protection of personal financial information rights in our country.The full text is divided into four parts:The first part elaborates the concept of personal financial information rights and its content,and analyzes the legal attributes of personal financial information rights.It is believed that infringement of personal financial information rights will simultaneously infringe personal spiritual rights and material rights.Personal financial information rights are a new type of right,which is both a constitutional right and a civil right.Due to the information asymmetry of financial transactions,the antagonism of interests between financial institutions and individuals,etc.,it is necessary to provide legal protection for personal financial information rights.The second part discusses the legal protection of personal financial information rights outside the territory.European and American countries are regions where the protection of personal financial information rights is relatively developed,and is a model for many countries to follow.European and American countries have relatively complete legislation to protect personal financial information rights,but the content,protection methods,and legislative models for the protection of personal financial information rights are different from country to country,and each has its own advantages and disadvantages.The third part elaborates the current situation of the protection of personal financial information rights in my country from three aspects: legislation,internal protection in the financial industry,and relief after personal financial information rights have been infringed.It is believed that personal financial information rights have some problems at the legislative and judicial levels: First,China’s protection of personal financial information rights lacks the support of specialized legal documents,which makes personal financial information rights vacant;secondly,financial institutions’ Insufficient supervision over the protection of personal financial information rights has caused financial institution personnel to pay insufficient attention to the protection of personal financial information rights;finally,the efficiency of litigation and non-litigation remedies after personal financial information rights are infringed is inefficient,and the desired effect is not achieved,causing many people to even know I don’t want to waste time and effort to solve the problem even if my rights are violated.The fourth part puts forward suggestions on the legal protection of personal financial information rights.It is necessary to establish legislation for the protection of personal financial information rights,so that they can be followed by laws and traces;higher requirements are also placed on financial regulatory agencies,and financial regulatory agencies should pay attention to the protection of personal financial information rights and mutual protection.Cooperation should not be precluded.At the same time,the right to financial information is a system that focuses on pre-defense and protection.Individuals are often unable to find out that their rights have been violated in time,so they cannot ignore relief after the event.