行为规制理论下个人金融数据共享披露规则的构建  

CONSTRUCTION OF DISCLOSURE RULES FOR PERSONAL FINANCIAL DATA SHARING UNDER BEHAVIORAL REGULATION THEORY

作　　者：宗雪萍[1] 郭君艳 ZONG Xue-ping;GUO Jun-yan(School of Law,Jiangxi University of Science and Technology,Ganzhou 341000,China)

机构地区：[1]江西理工大学法学院,江西赣州341000

出　　处：《南阳理工学院学报》2025年第1期22-29,共8页Journal of Nanyang Institute of Technology

摘　　要：随着数据时代的到来,金融数据在共享中释放了多元的价值,但也对个人金融数据安全提出了挑战。现行规范路径下的个人权利控制模式对于数据主体的有限理性和信息劣势欠缺考虑,信息不对称和信息过载困境的出现使得个人知情权实现受阻,在获取全面有效的信息上存在障碍,进而难以在数据共享上做出理性授权和判断。鉴于此,需要应用行为规制理论,以个人金融数据流通过程中的收集、传输、使用、删除四个环节为基础构建个人金融数据共享披露规则,反向督促金融数据控制者积极保障数据主体知情权的实现,同时进一步规范金融数据共享秩序,为平衡金融数据主体的权益保护与金融数据共享价值的提升保驾护航。With the advent of the data era,financial data has released multiple values in the sharing,but it also poses challenges to the security of personal financial data.The control mode of individual rights under the current normative path fails to consider the limited rationality and information disadvantage of the data subject.The emergence of information asymmetry and information overload prevents the realization of individual right to know,and there are obstacles in obtaining comprehensive and effective information,which makes it difficult to make rational authorization and judgment on data sharing.In view of this,it is necessary to apply behavioral regulation theory to build personal financial data sharing and disclosure rules based on the four links of collection,transmission,use and deletion in the process of personal financial data circulation,reverse urge financial data controllers to actively ensure the realization of data subjects' right to know,and further standardize the order of financial data sharing,balance the rights and interests of financial data subjects and enhance the value of financial data sharing escort.

关 键 词：个人金融数据 数据共享 信息披露规则 行为规制理论 

分 类 号：D922.28[政治法律—经济法学]