中国法语境下个人金融信息跨境流动的法律规制与保护  

Legal Regulation and Protection of Cross-Border Transfers of Personal Financial Information in China’s Legal Framework

作　　者：肖乐棉 XIAO Le-mian

机构地区：[1]湖北大学知行学院人文学院

出　　处：《河北法律职业教育》2025年第2期81-85,共5页HEBEI VOCATIONAL EDUCATION OF LAW

摘　　要：个人金融信息跨境流动为金融市场带来了巨大的利益,同时也带来了对隐私权以及公共利益的潜在威胁。然而,法律、行政法规中对于个人金融信息的范围规定不明导致在对数据出境进行安全评估的过程中出现了对个人金融信息定义模糊、分级不明、个人金融信息跨境流动中监管部门之间协调性不足、在个人金融信息跨境流动领域内尚未搭建起全面的国际合作桥梁等问题。对此,有必要对国内外各大经济体对个人金融信息跨境流动法律规制现状进行探究,在保障个人信用信息安全的基础上将权利救济规则纳入整体法律框架中,注重现实诉求,以实现与国际金融数据市场的顺利接轨。The cross-border transfer of personal financial information has generated significant benefits for financial markets,while simultaneously posing potential risks to privacy rights and public interests.However,the lack of clear definitions and scope of personal financial information in laws and administrative regulations has resulted in issues such as ambiguous definitions,unclear classifications during the security assessment of data exports,inadequate coordination among regulatory authorities overseeing cross-border transfers of personal financial information,and the absence of a comprehensive framework for international cooperation in this area.In response,it is essential to examine the current legal regulatory frameworks governing cross-border transfers of personal financial information in major economies both domestically and internationally.By ensuring the security of personal credit information,it is crucial to integrate remedies for rights protection into the overarching legal framework,addressing practical needs to facilitate seamless integration with the international financial data market.

关 键 词：个人金融信息 数据出境安全评估 跨境流动 金融数据市场 

分 类 号：D922.16[政治法律—宪法学与行政法学] F832[政治法律—法学]