开放银行的数据风险及其法律防范  

Data Risk and Legal Regulations of Open Banking

作　　者：刘辉 姜莉莉 LIU Hui;JIANG Lili(Law School,Hunan University,Changsha 410082,China)

机构地区：[1]湖南大学法学院,湖南长沙410082

出　　处：《河北科技大学学报(社会科学版)》2025年第1期72-78,共7页Journal of Hebei University of Science and Technology:Social Sciences

基　　金：国家社科基金一般项目(21BFX122)。

摘　　要：开放银行商业模式对传统银行业产生颠覆性的影响,为银行业注入了新的活力。开放银行的核心是数据共享,通过数据共享激活银行内海量金融信用数据的价值,创建共赢的生态体系。但数据共享也带来了数据授权风险、数据安全风险与数据滥用风险。数据风险的主要成因是:知情同意机制失灵;未对接受数据共享的主体设置明确的准入标准;缺少数据共享阶段的信息披露机制导致数据使用的透明度降低。防范开放银行带来的数据风险可从以下方面着手:完善现有的授权机制,保障客户基于自由意志作出授权;建立第三方准入审核机制,阻挡不合规的第三方机构加入数据共享链;强化参与方的信息披露义务,缓解信息不对称。The open banking business model has a subversive impact on the traditional banking industry and injects new vitality into the banking industry.The essence of open banking is data sharing,which activates the value of massive financial credit data in the bank though data sharing and creates a win-win ecosystem.But data sharing also brings risks of data authorization,data security,and data abuse.The main causes of data risks are the failure of the informed consent mechanism;the lack of clear access standards for the subject receiving data sharing;the lack of information disclosure mechanism in the data sharing stage,which leads to the reduction of transparency of data use.In order to prevent the data risks brought by open banking,it is necessary to improve the existing authorization mechanism and ensure that customers make authorization based on free will,establish a third-party access review mechanism to prevent non-compliant third-party institutions from joining the data sharing chain,strengthen the information disclosure obligations of the participants and alleviate information asymmetry.

关 键 词：开放银行 数据风险 数据共享 法律规制 

分 类 号：D922.28[政治法律—经济法学]