중국 금융시스템에서의 개인정보 보호에 관한 연구

Abstract

With September 18, 2020, the People’s Bank of China officially issued the revised "Implementation Measures for the Protection of Financial Consumer Rights and Interests of the People’s Bank of China" and the "Personal Information Protection Law of the People's Republic of China" will come into effect on November 1, 2021. The needs of personal financial information protection in the era of big data have brought challenges to the current legal theories, related systems and mechanisms, and the personal information protection and management capabilities of financial institutions. In the era of big data, financial law needs to be redefined, that is, financial law is actually a method of data management, sharing and utilization including corporate information and personal information. In the era of big data, the personal financial information protection law needs to be transformed and upgraded. The law needs to clarify the ownership of information and data, implement special protection for personal financial information, improve the protection mechanism during and after the event, and improve the exceptions to the confidentiality rule. China should develop digital reputation scoring services and promote open sharing of data. Due to industry characteristics, the financial industry has long been a personal information-intensive industry. Especially with the development of big data technology in recent years and the enrichment of mobile payment scenarios, Internet financial companies represented by Alipay and traditional financial institutions have made financial The service has gradually penetrated into every corner of life, and in the process, we have extensively grasped personal privacy data such as customers' economic behavior, biological characteristics, and geographic location. While financial institutions use personal information to provide financial services, they also bear the important responsibility of protecting personal privacy. Since the information system is the core carrier of data transmission, storage, and processing, the protection of personal information in the era of big data poses a huge challenge to the information technology department of financial institutions. How to help the digital transformation of the financial industry under the discovery of big data Protecting personal privacy is an important issue.