摘 要
网络技术的普及使金融业迅速发展，金融消费者队伍崛起，同时产生了大量的网络个人金融信息。如何对网络个人金融信息进行有效的保护，成为学术界与实务界重要的研究课题。学术界关于网络个人金融信息的研究尚不充足，法律上网络个人金融信息的规范不完善，金融机构对网络个人金融信息安全保障义务不足，司法实践中网络个人金融信息频遭侵害。囿于此，亟需对网络个人金融信息的概念、权利性质、救济方式等基本理论进行探讨。论文分析了网络个人金融信息受侵害现状的原因，研究深层次的保护理念与法律制度，进而提出更加完善的保护方案，以此保护网络个人金融信息，维护信息主体的权利，促进金融业的健康发展。
梳理网络个人金融信息的研究背景及国内外研究现状可以发现，学者对于网络个人金融信息的定义、性质、救济方式等内容还存在一些争议。对此，应当适当扩展其定义，才能更好地保护网络个人金融信息。网络个人金融信息虽然含有财产因素，但是分析网络个人金融信息的人格尊严与人格平等的因素，应当采取人格权性质说。其受到侵害后，对于救济方式的确定，也不能简单地计算财产价值，而应当综合各方面因素，采取精神损害与物质损害赔偿并存的责任承担方式。
对网络个人金融信息法律关系进行探讨，分析其权利内容，可以看出网络个人金融信息的保护义务也不应当局限于金融机构，监管机关等义务主体同样需要履行相关义务。需要对更加广泛的义务主体进行探讨，更好地保护网络个人金融信息。
运用规范分析法和文献分析法，对相关法律和文献资料进行研究，把个人金融信息的理论基础与实践中出现的问题相联系。结合我国个人金融信息实践中的具体情况，重构新型四位一体的保护模式，界定各方主体的保护义务，极具重要意义。
回应现实中的案例，对网络个人金融信息进行研究。理论层面，网络个人金融信息的保护模式的构建，可以丰富网络个人金融信息理论，深化保护金融消费者的监管理念，促进网络个人金融信息的流通与共享，完善信息监管机制。实践层面，侵害网络个人金融信息的案件需要解决，法律规范随网络信息社会的变化需要及时调整，加快相关立法发展，司法审判的法律依据得以确立，更好地保护信息主体的权益，保障金融体系的稳定。
关键词：网络个人金融信息；权利性质；法律保护
ABSTRACT
Popularization of network technology allows the rapid development of thefinancial industry and consumer finance teams rise, which produce a large number ofnetwork personal financial information. How to protect network personal financialinformation effectively has become an important research topic in academic andpractical circles. Academic research on network personal financial information is notadequate, the las on standardized network personal financial information is stillimperfect, the obligations of financial institutions for the security of network personalfinancial information is inadequate and network personal financial information isinfringed in judicial practice frequently. Therefore, there is an urgent need to discussthe basic theoretical concepts of network personal financial information, the nature ofthe rights, remedies and others. This paper analyzes the reasons for the infringementof network personal financial information, studies the in-depth philosophy and legalprotection system, and then put forward a more comprehensive protection scheme, inorder to protect the network personal financial information and the information on therights of the subject and to promote the healthy development of the financial industry.
From the research background of network personal financial information anddomestic and overseas research status, it can be found that there are still somecontroversies over the definition, nature, content and other remedies of network ofpersonal financial information. To this, should be appropriate to expand its definition,to better protect network personal financial information. Network personal financialinformation contains the property, but the theory of personality rights should be usedto analyze the personal dignity and equality of network personal financial information.
After the network personal financial information is infringed, the way to assumeresponsibility that is compensation for both moral and material damages can bedetermined through synthesizing the various factors instead of simply calculating thevalue of the property. From the research on the legal relationship of network personalfinancial information and the content of their rights, it can be seen that the obligationsto protect network personal financial information should not be limited to the mainobligations of financial institutions, but also need regulatory authorities to fulfillrelevant obligations. More obligation subjects should be explored to better protectnetwork personal financial information. Normative analysis and literature analysis areapplied to study the relevant laws and literature and link the theoretical basis ofpersonal financial information to the issues that arise in practice. Combined with thespecific situation of the personal financial information of China, this paperreconstructs the new “Quaternary” protected mode and defines the protectionobligations of each party, which are very important.
Responding to the real cases, this paper researches the network personalfinancial information: in theory, reconstructs the protected mode of network personalfinancial information, enriches the theories of network personal financial information,deepen the regulatory philosophy of financial consumer protection and promote thecirculation and share network personal financial information and improve theregulatory mechanism; in practice, the cases that network personal financialinformation is infringed need solving, legal norms have to be upgraded timely withthe change of network information society, the development of relevant legislationshould be accelerated, and the legal basis for the judicial adjudication has beenestablished to better protect the rights and interests of the information subject and thestability of the financial system.
Keywords:network personal financial information, nature of rights, legal protection
目 录
摘 要
Abstract
第 1 章 绪论
1.1 课题背景及研究意义
1.1.1 研究背景
1.1.2 研究意义
1.2 国内外研究现状及简析
1.2.1 国内研究现状
1.2.2 国外研究现状
1.2.3 国内外研究现状简析
1.3 论文主要研究内容与研究方法
1.3.1 论文主要研究内容
1.3.2 论文研究方法
第 2 章 个人金融信息界定
2.1 个人金融信息概述
2.1.1 个人金融信息的定义
2.1.2 个人金融信息的种类及特性分析
2.1.3 个人金融信息的权利性质
2.2 个人金融信息称谓与法律关系探析
2.2.1 个人金融信息的称谓
2.2.2 个人金融信息法律关系
2.3 本章小结
第 3 章 网络环境下个人金融信息现状
3.1 保护理念偏差
3.1.1 个人金融信息保护与征信的冲突
3.1.2 国家利益与个人利益的冲突
3.2 法律制度不健全
3.2.1 立法现状
3.2.2 立法不完善
3.2.3 操作性不强
3.2.4 救济途径单一
3.3 实践问题频发
3.3.1 金融机构保护义务不足
3.3.2 金融消费者自我保护意识不强
3.3.3 网络攻击严重
3.4 本章小结
第 4 章 四位一体保护模式的构建
4.1 金融机构主要保护义务的承担
4.1.1 完善对金融机构的监督
4.1.2 健全金融机构内部控制制度
4.1.3 平衡信息保护与披露机制
4.1.4 加强行业自律
4.2 技术服务商技术支持的保证
4.2.1 细化外包合同
4.2.2 全面监控风险
4.3 监管机关安全保障的提供
4.3.1 确定个人金融信息保护的监管部门
4.3.2 引入外部测评措施
4.3.3 完善个人金融信息的法律规定
4.4 消费者保护意识的加强
4.4.1 健全金融消费者教育体系
4.4.2 确定金融消费者教育内容
4.5 本章小结
结 论
参考文献
致 谢
