Research On The Protection Of Customer Information Rights Of Financial Holding Companies

As an important subject of China’s comprehensive finance,financial holding companies play an important role in the development of China’s comprehensive finance,because of the special business model of financial holding companies,there are innate connections between their subsidiaries,making internal data exchange and information sharing faster and easier.In the corporate data pyramid,customer information undoubtedly plays a fundamental role,while the customer information of financial holding companies will also face unique use risks due to information sharing,which is comprehensive,convenient and biased.In order to solve the problem of customer information security,the Trial Measures for the Supervision and Administration of Financial Holding Companies clearly require that the rights of customers shall not be harmed,but its provisions are too general,especially based on the complexity of financial holding companies themselves and the new challenges in the era of big data,it is more difficult to effectively protect customer information interests.At the same time,at present,the customer information of China’s financial holding companies only focuses on individual customers,and does not pay enough attention to group customers,and it is difficult to form targeted protection measures.In view of this,based on the impact of various operating modes and big data on information of financial holding companies at this stage,this paper divides the customers of financial companies into individual customers and group customers,analyzes and suggests the existing problems of their information protection,and explores feasible ways to carry out all-round and systematic control from information collection to supervision.In addition to the introduction and conclusion,this article mainly includes four parts:The first part: Explain the legal basis for the protection of customer information interests of financial holding companies,clarify the meaning of financial holding companies,customers and customer information interests,explain the necessity and complexity of customer information protection of financial holding companies,and analyze the impact of information sharing according to the customer information sharing modes of different financial holding companies and the Internet + data era.The second part: explore the current situation of the protection of customer information interests of financial holding companies in China,sort out the existing legal norms on the information interests of customers of financial holding companies,find out the shortcomings,and explore the current problems based on actual cases.The third part: Examine the laws and regulations related to information protection of overseas financial holding companies,analyze the legal systems of customer information protection in the United States,the European Union and Chinese Taiwan,find their common points,and summarize the references for China.The fourth part: Put forward the improvement suggestions for the protection of customer information interests of financial holding companies,based on the analysis of the previous article,from information collection,data requirements,security systems and legal systems respectively elaborated,the protection of customer information interests runs through all links of information collection to use,to achieve effective protection of customer information interests of financial holding companies.