数字经济背景下金融机构反洗钱与个人信息保护的冲突及协调  

On the Contradiction and Coordination between Anti-money Laundering and Personal Information Protection in the Era of Digital Economy

作　　者：江海洋 张芙蓉 JIANG Hai-yang;ZHANG Fu-rong(School of Law,Shandong University,Qingdao 266237,Shandong,China)

机构地区：[1]山东大学法学院,山东青岛266237

出　　处：《石河子大学学报(哲学社会科学版)》2025年第2期90-98,共9页Journal of Shihezi University(Philosophy and Social Sciences)

基　　金：山东省泰山学者工程专项经费资助项目“基于风险的个人信息保护方法”(tsqn202306038)。

摘　　要：数字经济时代,以机器学习为代表的人工智能技术在反洗钱领域的广泛应用对个人信息保护造成冲击。金融机构往往会面临个人信息保护与反洗钱的义务冲突问题,只不过因反洗钱监测要求的相关法律缺乏明确性,以及违反反洗钱规定对金融机构的制裁更加严厉,金融机构往往会选择偏重履行反洗钱义务,而忽视对个人信息的保护,导致与《中华人民共和国个人信息保护法》规定的个人信息保护原则相冲突。对此,在衡量基于人工智能的反洗钱监测系统获取情报预防犯罪与个人信息权益价值时,需要注意个人信息权益的社会利益属性。同时,进一步提升反洗钱法律法规明确性,科学评估可疑交易报告效用。针对反洗钱监测无法区分类型化个人信息的情况,应调整个人信息保护路径,以基于风险的方法实现个人信息的保护与反洗钱监测的最大限度平衡。In the era of the digital economy,the widespread use of artificial intelligence technologies repre-sented by machine learning in the field of anti-money laundering has an impact on the protection of personal information.Financial institutions often face conflicting obligations to protect personal information and combat money laundering.However,due to the lack of clarity in the relevant laws on anti-money laundering monitoring requirements and the more severe sanctions against financial institutions that violate anti-money laundering regulations,financial institutions often choose to focus on fulfilling anti-money laundering requirements and neglect the protection of personal information,which leads to conflicts with the personal information protection principles stipulated in Personal Information Protection Law.In this regard,when weighing the value of personal information rights and the intelligence obtained by AI-based anti-money laundering monitoring systems to prevent crime,attention needs to be paid to the social benefit attributes of personal information rights.At the same time,the clarity of anti-money laundering laws and regulations should be further improved,and the effectiveness of suspicious transaction reports should be scientifically assessed.In regard that anti-money laundering monitoring cannot distinguish between types of personal information,the path of personal information protection should be adjusted to achieve the maximum balance between personal information protection and anti-money laundering monitoring based on a risk-based approach.

关 键 词：数字经济 反洗钱监测情报 个人信息保护 基于风险的方法 

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