数字经济时代个人金融信息侵权保护的困境与应对  

Dilemma and Countermeasures of Personal Financial Information Infringement Protection in the Era of Digital Economy

作　　者：郭金良[1] GUO Jinliang

机构地区：[1]辽宁大学法学院

出　　处：《法学评论》2024年第5期120-130,共11页Law Review

基　　金：辽宁省教育厅项目“《民法典》背景下个人金融信息的法律保护”(项目号:LJKR0061);辽宁省教育厅项目“数字经济发展中金融科技公司监管法律问题研究”(项目编号:JYTMS20231670)的阶段性成果。

摘　　要：数字经济时代个人金融信息作为一项具有突出财产属性和应用价值的重要权益,需要给予特殊保护。《民法典》《个人信息保护法》等法律建立了个人信息保护的基本制度,但对个人金融信息的法律界定尚不明确,在归责原则、损害认定、损害赔偿责任规则等方面无法给金融场景应用中的信息权益人提供合理保护,造成个人金融信息保护的极大困境。法律应当以场景理论为基础,对个人金融信息含义与类型进行规则塑造;从信息权益人举证难度和金融交易信息应用的特殊性出发,分类适用过错推定责任和无过错责任原则;在损害认定上,采取“客观上合理的可能性”方法来认定非物质性损害,并依据风险预防成本来确定非物质性损害赔偿范围。In the era of digital economy,personal financial information,as subject of an important right with outstanding property attributes and application value,needs special protection.The basic system of personal information protection has been established in the Civil Code,the Personal Information Protection Law and other laws,but the legal definition of personal financial information is not clear,and it is unable to provide reasonable protection for information rights holders in the application of financial scenarios in terms of the principle of liability,damage identification,and damage compensation liability rules,resulting in great difficulties in the protection of personal financial information.The law should be based on the scene theory to shape the meaning and type of personal financial information.According to the difficulty of proof of information rights holders and the particularity of financial transaction information application,the principles of presumed fault liability and no-fault liability are applied.In the identification of damage,the method of"objectively reasonable possibility"is adopted to identify non-material damage.The scope of compensation for non-material damage is determined according to the cost of risk prevention.

关 键 词：个人金融信息 金融隐私 非物质性损害 侵权责任 

分 类 号：D923[政治法律—民商法学] D922.16[政治法律—法学] D922.28