基于PDCA循环的个人金融信息风险全流程防控策略  

The whole process prevention and control strategy of personal financial information risk based on PDCA cycle

作　　者：刘苗妹 王森 LIU Miaomei;WANG Sen(Financial Innovation and Risk Management Research Center,Hebei Finance University,Baoding,Hebei 071051,China;Personnel Office,Hebei Finance University,Baoding,Hebei 071051,China)

机构地区：[1]河北金融学院金融创新与风险管理研究中心,河北保定071051 [2]河北金融学院人事处,河北保定071051

出　　处：《内江师范学院学报》2024年第6期88-98,共11页Journal of Neijiang Normal University

基　　金：2022年河北省金融创新与风险管理中心开放基金项目(JDKF2022014)。

摘　　要：进行个人金融信息风险全流程防控是推动个人信息保护的重要内容,对于防范金融风险的发生具有重要意义.基于PDCA循环框架,运用系统综述的方法从既有研究文献中识别风险,结合Cov-AHP-RMM法进行风险评估和分析,并提出风险防控措施.研究从356篇文献中识别了14个风险因素,并提出了由政府、金融行业企业和个人多主体参与的风控措施.研究结果表明:个人金融信息风险贯穿于信息处理流程的各个环节;全程参与其中的金融机构是侵犯个人金融信息的重要违法主体,需要加强对其信息处理行为的规制;在个人金融信息风险防控实践中应用PDCA循环有助于风险的识别、分析和防控.The implementation of the whole-process risk prevention and control of personal financial information is an important part of promoting the protection of personal information,and is of great significance in preventing the occurrence of financial risks.Based on the PDCA cycle framework,the systematic review method is used to identify risks from published articles,and the Cov-AHP-RMM method is combined to assess and analyse the risks so as to find out risk prevention and control measures.The study identifies 14 risk factors from 356 articles and proposes risk control measures involving multiple participants like the government,financial industry enterprises and individuals.The results of the study show that the risk of personal financial information spares no aspects of the information processing;the financial institutions involved throughout the process are possibly the important illegal subjects that may infringe on personal financial information so that it is of need to strengthen the regulation of their information processing behaviour;and the application of the PDCA cycle in the practice of risk prevention and control of personal financial information can contribute to the identification,analysis,prevention and control of risks.

关 键 词：PDCA循环 个人金融信息 信息安全 金融风险防控 

分 类 号：F832.2[经济管理—金融学]