【摘要】：近年來,伴隨著經(jīng)濟全球化的迅速發(fā)展,各國在金融領域交往密切。各國的金融機構開始在海外設立分支機構以擴大經(jīng)營市場,吸引海外客戶。隨之而來的是個人金融信息在世界范圍內(nèi)的傳遞和共享。然而,這種共享導致侵犯個人金融信息權的問題日益突出,并且已經(jīng)成為一個國際問題。基于不同的保護目的,各國對個人金融信息法律保護差距甚遠,這種差異已經(jīng)給個人金融信息的跨境流通造成了嚴重阻礙。 本文旨在深入探析個人金融信息保護國際化的背景,對現(xiàn)有各國、各地區(qū)主要的個人金融信息保護國際協(xié)調(diào)機制進行分析和評價,厘清個人金融信息國際保護中存在的問題,從而為我國建立符合個人金融信息國際法律保護的法律制度提供借鑒和參考。 本文分為導言和正文兩個部分。 導言部分,說明撰寫本文的目的,即通過描述當今國際社會在個人金融信息共享的同時,受到嚴重侵犯的背景以及中國經(jīng)濟社會發(fā)展所面臨的相關法律缺失問題,導出對個人金融信息國際保護的研究意義,進而明確個人金融信息國際法律保護制度在解決上述問題中的重要地位。同時,總結國際國內(nèi)理論實踐經(jīng)驗,提出一些個人金融信息國際法律保護制度的構建中需要注意的問題,希望能對我國的個人金融信息法律保護制度的建設提供一定程度的有益參考和借鑒。 正文部分由四章組成: 第一章以個人金融信息的起源、概念和特點為切入點,介紹了個人金融信息的發(fā)展歷程,并分析了個人金融信息法律保護的必要性和理論基礎。 第二章重點分析了國際社會有關個人金融信息法律保護的現(xiàn)狀和問題。主要通過對歐盟和美國相關法律制度的比較,進而探討個人金融信息法律保護的異同點,最后初步得出了個人金融信息法律保護的保護趨勢和發(fā)展模式。 第三章對個人金融信息國際法律保護制度進行了構建。從該制度構建的可行性出發(fā),筆者,在借鑒已有的成熟經(jīng)驗和已經(jīng)發(fā)現(xiàn)的不足上,對個人金融信息國際法律制度的內(nèi)容和形式進行了構想。 第四章從我國個人金融信息保護的現(xiàn)狀著手,深入分析了目前相關法律制度的問題,從法律體系、權利義務分配和監(jiān)管機制對我國個人金融信息法律保護提出了個人建議,以期對我國當今個人金融信息法律保護制度建構提供借鑒。
[Abstract]:In recent years, with the rapid development of economic globalization, countries in the financial field close contact. Financial institutions in various countries began to set up branches overseas to expand their markets and attract overseas customers. The following is the transmission and sharing of personal financial information in the world. However, this kind of sharing has led to the violation of personal financial information rights, and has become an international problem. For different purposes of protection, the legal protection of personal financial information in different countries is far away, which has caused serious obstacles to the cross-border circulation of personal financial information. The purpose of this paper is to probe into the background of the internationalization of personal financial information protection, to analyze and evaluate the main international coordination mechanism of personal financial information protection in various countries and regions, and to clarify the problems existing in the international protection of personal financial information. Thus, it provides reference and reference for our country to establish the legal system which accords with the international legal protection of personal financial information. This article is divided into two parts: introduction and text. The introduction explains the purpose of writing this article, that is, by describing the background in which the international community has suffered serious violations while sharing personal financial information and the lack of relevant laws faced by China's economic and social development, The significance of the research on the international protection of personal financial information is derived, and the important position of the international legal protection system of personal financial information in solving the above problems is clarified. At the same time, summing up the experience of international and domestic theory and practice, putting forward some problems that should be paid attention to in the construction of international legal protection system of personal financial information. The author hopes to provide some useful reference for the construction of legal protection system of personal financial information in China. The text is composed of four chapters: the first chapter introduces the development course of personal financial information from the origin, concept and characteristics of personal financial information. It also analyzes the necessity and theoretical basis of legal protection of personal financial information. The second chapter focuses on the analysis of the current situation and problems of the legal protection of personal financial information in the international community. Through the comparison of the relevant legal systems of EU and USA, the similarities and differences of legal protection of personal financial information are discussed. Finally, the trend and development mode of legal protection of personal financial information are preliminarily obtained. The third chapter constructs the international legal protection system of personal financial information. Based on the feasibility of the construction of the system, the author conceives the content and form of the international legal system of personal financial information on the basis of the existing mature experience and the deficiency that has been found. The fourth chapter begins with the current situation of personal financial information protection in China, analyzes the problems of relevant legal system, and puts forward personal suggestions on the legal protection of personal financial information in China from the legal system, the distribution of rights and obligations and the supervision mechanism. In order to provide reference for the construction of legal protection system of personal financial information in our country.
【學位授予單位】：華東政法大學
【學位級別】：碩士
【學位授予年份】：2011
【分類號】：D996.2;F832.2

【引證文獻】

相關期刊論文 前1條

1 王志強;王麗紅;翁劍華;齊洪婷;郭書琴;;個人金融信息法律保護問題研究——以銀行法為中心[J];福建金融;2013年08期

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本文編號：2227354