金融数据共享机构信息披露义务构建  

Construction of Information Disclosure Obligations for Financial Data Sharing Institutions

作　　者：黄睿喆 Huang Ruizhe(Hunan University)

机构地区：[1]湖南大学法学院

出　　处：《金融经济》2023年第7期87-95,共9页Finance Economy

摘　　要：进入大数据时代,金融数据共享与利用在释放多元价值的同时,也使个人金融信息的安全性受到较大挑战。既有的以个人信息自决为核心的常态化保护路径未能准确评估信息主体的有限理性与信息劣势处境,导致实现知情权受阻,难以获取全面、有效的信息,从而对金融数据共享情形做出理性授权与判断。为解决金融消费者面临的信息不对称与信息过载双重困境,有必要从披露义务主体范围、具体内容、履行方式以及法律责任等方面进行秩序重构,以实现个人数据主体与金融数据共享机构之间的权利义务再平衡。In the era of Big data,financial data sharing and utilization not only release multiple values,but also challenge the security of personal financial information.The existing normalization protection path with personal information self-determination as the core failed to accurately assess the bounded rationality and information disadvantage of the information subject,resulting in difficulties in the protection of the right-to-know of financial consumers and difficulties in obtaining comprehensive and effective information to make rational authorization and judgment on financial data sharing.To address the dual dilemma of information asymmetry and information overload faced by financial consumers,it is necessary to restructure the order from the scope,specific content,performance methods,and legal responsibilities of disclosure obligations,in order to achieve a rebalancing of rights and obligations between personal data subjects and financial data sharing institutions.

关 键 词：大数据 金融数据共享 信息披露 知情同意权 

分 类 号：F832[经济管理—金融学] D922.16[政治法律—宪法学与行政法学]