摘要
随着金融行业和信息技术的飞速发展,在传统的隐私权基础上也发展出了一项新型权利,即金融隐私权。特别是在金融机构提供的金融服务项目中,金融客户必须提供基本的金融信息,这样一来金融机构就可以收集到大量客户的金融隐私信息,这些金融隐私信息通常具有明显的财产属性,继而成为金融机构重要的商业资源。金融机构凭借其在金融交易中的明显强势地位,很有可能在未经客户允许的情况下将其获取的金融隐私信息非法公开、使用或传递,使得客户的金融隐私权时刻面临被侵犯的危险,因而金融隐私权法律保护问题日益突出,已经成为社会高度关注的问题。在通过对金融隐私权基本理论的阐述,结合我国目前相关法律保护制度的同时,对比国外金融隐私权法律保护的先进经验并扬长避短,为我国的金融隐私权法律保护的完善提出合理建议。
With the financial industry and information technology rapidly developing, a new type of rights the right to financial privacy is created on the basis of the traditional right of privacy. When using financial services provided by financial institutions, in particular, customers have to provide their basic financial information. Through this way, financial institutions can collect a large amount of financial privacy information of their customers, which further can become valuable commercial resources. By virtue of their obviously strong positions in financial transactions, financial institutions are highly likely to illegally disclose, use or deliver the obtained information without the permit of their customers, which puts those customers＇ rights to financial privacy in danger of being easily violated. Thus, it can be observed that legal protection problems of the right to privacy have become increasingly prominent, which have already been regarded as a big social concern. By means of illuminating the basic theory of the right to financial privacy, combining that with China＇s current legal protection system, and also, referring to advanced foreign experience on the legal protection of the right to financial privacy, this paper seeks to put forward some reasonable proposals for the improvement of China＇s current protection of the right to financial privacy.
出处
《科技与法律》
2016年第1期88-116,共29页
Science Technology and Law
关键词
金融隐私权
金融客户
金融信息
法律保护
Financial Privacy
Financial Customers
Financial Information
Legal Protection
作者简介
易涛（1986-）,北京大学法学院2015级博士研究生,北京大学国际知识产权研究中心研究人员;主要研究方向：民商法、知识产权法.
