The Dilemma And Countermeasures Of The Legal Protection Of Personal Information Rights Of Internet Financial Consumers In China

With the advancing of the “big data” era and the progress of information technology,the integration of many traditional industries with the Internet become more energetic.The financial industry has trended to integrate with the Internet,and Internet finance was born.Internet finance brings convenience to consumers,and produces a number of problems such as leakage of information and misusing.The traditional privacy principle Can’t bring a powerful guarantee for the personal information rights of Internet financial consumers.In China,the personal information rights of Internet financial consumers in legal system is not comprehensive,many consumers with safe concerns.So,it is necessary to talk about personal information rights of internet financial consumers in legal protection.This article defines the concepts of Internet finance,Internet finance consumers and Internet finance consumers’ personal information rights,the purpose is of realizing scope of research,and analyzing the current condition of the legal protection of personal information rights of Internet finance consumers in China,and summarizing the personal information of Internet finance consumers’ dilemma in the protection of rights including legal norms,supervision mechanisms,and different resolution.By analyzing the juristic models and laws of the European Union,the United States,and Japan,we can obtain experience from these ones and offer some suggestions.Firstly,It is necessary to select unified legislative model,confirm protection principles,and determine scope of personal information right of financial consumption,clear and definite the rights and obligations between operators and consumers,and improve on regulations on civil liability,etc.Secondly,In terms of improving the financial supervision mechanism that ought to reforming financial supervision,expanding the scope of financial supervision,and the role of Industry organization should be brought into playing.Finally,In order to improving the dispute resolution organization,an online dispute resolution platform should be build,and including the execution of litigation into the credit rating system of Internet financial system.The above in order to protect the personal information rights of Internet financial consumers.