银行消费者个人信息保护立法问题及对策建议

• 作 者: 姜健 宋献晖
• 机 构: 菏泽市中级人民法院,中国人民银行菏泽市中心支行,
• 出 处: 保密科学技术
• 发表日期: 2013年02期
• 关键词: 个人信息保护 立法问题 金融隐私权 现代法治社会 保密义务 隐私权保护 信息范围 效力层次 法律责任 民法通则

一、引言金融隐私权是现代法治社会公民应该享有的基本权利,银行对金融消费者个人信息的保密义务属于应然义务。当前,我国对金融消费者个人信息保护方面的立法存在体系散乱、价值错位、内容滞后等问题,导致银行对消费者信息的保密机制不完善,泄露消费者金融隐私信息的事件层出不穷,亟待解决。

I. INTRODUCTION Financial privacy is a basic right that should be enjoyed by citizens under the rule of law in modern times. The obligation of the bank to keep confidential the personal information of financial consumers belongs to the obligation. At present, China’s legislation on the protection of personal information of financial consumers has some problems, such as scattered systems, dislocation of value and lagging content, which leads to the imperfect security mechanism of bank information to consumers and the emergent disclosure of consumer financial privacy information.