Research On Government Supervision Of Personal Information Security Of Customers Of Commercial Banks In L. City

The continuous innovation of financial technology and the deepening development of the Internet have provided environmental opportunities for the development of the banking industry,and have also made the leakage of customer information in commercial banks an increasingly serious problem.The personal information security of commercial bank customers is increasingly receiving attention from various aspects of society.L city has a developed economy and numerous commercial banks,and incidents of banks leaking customer information are also repeatedly prohibited.Paying attention to the current state of government regulation on customer information security of commercial banks in L city,analyzing regulatory issues and their causes,and proposing improvement strategies can assist the government in improving the effectiveness of bank customer information security regulation,implementing the responsibility requirements of serving the government,and effectively safeguarding the interests of the people.The institutions responsible for supervising the personal information security of customers in L city commercial banks include the L city financial supervision bureau,the L city center branch of the People’s Bank of China,and the L city branch of the China Banking and Insurance Regulatory Commission.Regulatory agencies mainly follow relevant legal provisions such as the Personal Information Protection Law and the Consumer Rights Protection Law to investigate and punish illegal and irregular behaviors that harm consumer information security,conduct assessments and evaluations of consumer information security protection in banking institutions,improve the mechanism for handling consumer complaints in the banking industry,deepen education to enhance consumer security awareness Strengthening the construction of consumer information security supervision teams in the banking industry and other means of implementation.Through questionnaire surveys and interviews,it was found that the government regulation of personal information security in commercial banks in L city has problems such as low regulatory satisfaction,unsatisfactory regulatory efficiency,and low satisfaction with regulatory results.The reasons for the problems include incomplete policies and regulations,outdated regulatory methods,and insufficient abilities and qualities of relevant personnel.To improve the effectiveness of personal information security supervision for commercial bank customers in L city,it is necessary to improve the legal provisions on personal information security supervision for commercial bank customers,optimize the means of personal information security supervision for commercial bank customers,and enhance the ability and quality of stakeholders.