个人金融信息的格式化侵权亟需规制  

The Urgent Need in Regulating the Infringement of Personal Financial Information through Formatted Contract

作　　者：易森[1] 

机构地区：[1]中国人民银行盐城市中心支行,江苏盐城224001

出　　处：《西部金融》2015年第10期24-28,共5页West China Finance

摘　　要：本文通过分析17家金融机构公开发布的50份格式合同,发现在我国相关立法不完善的背景下,金融机构通过格式合同,违反个人金融信息保护的通行原则,在个人金融信息收集、加工、披露等多个环节,侵害信息主体的自主选择权、保密权、知情权、安宁权和管理权等多项权利的现象时有发生。对此本文提出了规制个人金融信息化的政策建议。Through analyzing 50 formatted contracts published by 17 financial institutions, the paper finds that under the back- ground that the legislation in China is not perfect, financial institutions take advantage of the formatted contract in violation of the com- mon principle of personal financial information protection, infringe upon rights of information owners like independent option, confi- dentiality, knowledge, tranquility and management, etc. during many links such as disclosing, collecting and processing personal financial information and so on. Finally, the paper puts forward the policy suggestions on regulating personal financial information.

关 键 词：个人金融信息 格式化 金融消费者保护 

分 类 号：F830.31[经济管理—金融学]