Web3.0时代个人金融数据“自决”规则的重构  

Reconstruction of“Self-determination”Rule of Personal Financial Data in the Era of Web3.0

作　　者：来小鹏[1] 郭子訸 LAI Xiao-peng;GUO Zi-he(Institute of Data Law,China University of Political Science and Law,Beijing 100088,China)

机构地区：[1]中国政法大学数据法治研究院,北京100088

出　　处：《西北大学学报（哲学社会科学版）》2023年第5期78-90,共13页Journal of Northwest University：Philosophy and Social Sciences Edition

基　　金：北京市社会科学基金项目“《北京市数据条例》法规预案研究”(21GJC004)。

摘　　要：各国数据法对于个人数据或信息的合法许可架构皆基于个人自决权的理念,旨在通过个人对“自己的”数据处理的“同意决定”来实现对个人数据权利的保护。Web3.0时代利用区块链的分布式账本技术,实现个人对自身创造数据的自决控制;分布式商业金融则将所有的资产和资源依托数据流动起来,向所有人提供开放、可信的协作环境,在用户自决与数据共享的矛盾之下,传统的基于“知情同意”下的个人数据“自决”将无法与Web3.0时代的科技生态相匹配,需要检视用户的数据自决规则,基于Web3.0参与、控制、互信、共享的运行逻辑,重构个人金融数据的自决规则。The legal licensing structure of national data laws for personal data information is based on the concept of individual self-determination,which aims to protect the rights of individuals’data through their consent decisions on the processing and use of“their”data.In the contradiction between user self-determination and data sharing,the traditional“self-determination”of personal data based on“informed consent”will not match the technological ecology of Web 3.0 era.It is necessary to review the rules of the user’s data self-determination and reconstruct the rules of personal financial data self-determination based on the operating logic of Web3.0 participation,control,mutual trust and sharing.

关 键 词：WEB3.0 个人金融数据 数据自决 知情同意 数据信任 

分 类 号：D922.28[政治法律—经济法学]