商业银行数据共享治理的组织法进路——以“开放银行”为切入点  

The Organizational Law Approach to Governing Data Sharing in Commercial Banks:Insights from“Open Banking”

作　　者：冯果[1] 郑乾 FENG Guo;ZHENG Qian(School of Law,Wuhan University,Wuhan 430072,China)

机构地区：[1]武汉大学法学院,湖北武汉430072

出　　处：《商业经济与管理》2025年第3期94-104,共11页Journal of Business Economics

基　　金：国家社会科学基金重大项目“我国资本市场制度型开放的法律体系构建研究”(22&ZD204);国家社会科学基金一般项目“公司法制度竞争视野下股权结构变革研究”(21BFX095)。

摘　　要：商业银行数据共享是金融高质量发展呼应数字经济时代的关键举措。“开放银行”作为其中的代表性创新,依靠应用接口技术构建了数据共享的场景,促进了商业银行与金融消费者及金融科技公司之间的数据处理与流通。然而,面对金融与数据交织的多元风险,传统的公私二分治理范式显现出规制不足的窘境,亟须引入新的治理视角以完善数据共享治理框架。商业银行在数据共享中居于技术使用的终端和风险防控的核心,兼具市场主体与规制主体的双重身份,不仅能够发挥隐形监督作用,还具有系统性影响力。故采取组织法范式,围绕商业银行展开治理成为突破方向。由此,在组织结构方面优化商业银行的决策层与管理层,在组织责任方面重塑商业银行的社会责任与法律责任,以增强其在数据共享中实现风险化解与应对风险扩散的能力。The data sharing of commercial banks is a key initiative for high-quality financial development in the digital economy era.Open Banking,as a representative innovation,relies on application interface technologies to construct data-sharing scenarios,facilitating data processing and flow among commercial banks,financial consumers,and Fin-Tech companies.However,faced with the intertwined risks of finance and data,the traditional public-private binary governance model reveals regulatory inadequacies,requiring new governance perspectives to improve the data-sharing framework.As the endpoint of technology use and the core of risk prevention,commercial banks hold a dual identity as market players and regulatory entities,enabling them to exert covert supervision and systemic influence.Therefore,adopting an organizational law framework to optimize decision-making and management structures,and reshaping social and legal responsibilities,becomes a breakthrough direction to enhance their capacity to resolve risks and address risk diffusion in data sharing.

关 键 词：商业银行 数据共享 开放银行 金融科技 组织法 

分 类 号：D922.281[政治法律—经济法学]