我国银行数据共享规则的安全与发展“再平衡”  

“Rebalancing” Security and Development in China's Bank Data Sharing Rules

作　　者：杨松[1,2] 汪宓 Yang Song;Wang Mi

机构地区：[1]辽宁大学 [2]沈阳师范大学 [3]辽宁大学法学院金融安全与法治研究中心,沈阳110036

出　　处：《探索与争鸣》2025年第1期122-133,179,180,共14页Exploration and Free Views

摘　　要：银行数据是重要的新型生产要素,其价值释放成为推动数字普惠金融发展的重要引擎。全球多个国家正在积极探索银行数据共享规则,包括落实银行数据可携带权、扩大共享权利的客体范畴以及提高消费者信任,以充分实现银行数据价值、提升金融普惠性。同时,各国十分重视银行数据自主权和数据隐私权保护,通过加强政府监管以全面保障金融消费者权利。当下,我国银行数据规则体系以安全为主、共享为辅,数据中介商规则较为混乱,数据可携带权和知情同意权落实不到位,导致银行数据共享业务难以高效开展。对此,需要统筹安全与发展的价值理念,适当借鉴域外经验,从发挥银行数据价值与保障数据主体权利两方面,优化银行数据共享规则。Bank data serves as a crucial new production factor, and its value realization has become a significant engine driving the development of digital inclusive finance. Many countries around the globe are actively exploring rules for bank data sharing, including implementing the right to data portability, expanding the scope of objects eligible for sharing rights, and enhancing consumer trust, in order to fully realize the value of bank data and enhance financial inclusivity. At the same time, countries attach great importance to the autonomy of bank data and data privacy protection, comprehensively safeguarding the security of financial consumers through strengthened government regulation. Currently, China's bank data rule system prioritizes security with sharing as a secondary consideration. There is considerable confusion regarding data intermediary rules, and the implementation of data portability rights and informed consent rights is inadequate, making it difficult to efficiently carry out bank data sharing operations. In response, it is necessary to integrate the values of security and development, draw appropriate lessons from extraterritorial experiences, and optimize bank data sharing rules from both leveraging the value of bank data and safeguarding the rights of data subjects.

关 键 词：银行数据共享 开放银行 数据可携带权 知情同意权 数字普惠金融 

分 类 号：F83[经济管理—金融学]