金融消費(fèi)者隱私權(quán)保護(hù)探究
發(fā)布時(shí)間：2018-12-16 21:40
【摘要】：金融消費(fèi)者是消費(fèi)者概念在金融領(lǐng)域的遷移。金融消費(fèi)者是指為生活需要購(gòu)買、使用金融產(chǎn)品或接受金融服務(wù)的自然人。伴隨網(wǎng)絡(luò)、信息技術(shù)的創(chuàng)新和金融混業(yè)經(jīng)營(yíng)的發(fā)展,信息的傳遞和共享更具規(guī)模和效率,與此同時(shí)也加劇了私人財(cái)務(wù)、信用或交易信息不當(dāng)披露和違法利用的風(fēng)險(xiǎn),金融消費(fèi)者隱私權(quán)保護(hù)刻不容緩�，F(xiàn)行立法關(guān)于金融消費(fèi)者隱私保密條款極其粗疏、原則,立法價(jià)值取向更加偏重金融機(jī)構(gòu)、監(jiān)管和司法等公權(quán)部門的信息獲取。此外,金融消費(fèi)者個(gè)體的分散,維權(quán)成本的高昂和解紛機(jī)制的低效致使金融消費(fèi)者隱私侵權(quán)救濟(jì)舉步維艱,金融消費(fèi)者隱私權(quán)保護(hù)亟待理論研究與實(shí)踐探索。 本文共分四章：第一章“金融消費(fèi)者與金融消費(fèi)者隱私權(quán)界說”,從辨析概念入手,明確金融消費(fèi)者和金融消費(fèi)者隱私權(quán)的概念,厘清研究中的保護(hù)主體和保護(hù)對(duì)象問題。第二章“金融消費(fèi)者隱私權(quán)保護(hù)的內(nèi)在機(jī)理”,分別從法學(xué)和經(jīng)濟(jì)學(xué)的視角,探討了基于權(quán)利效力范圍視域下的合同法和侵權(quán)行為法中的法理依據(jù),并比較了二者保護(hù)的優(yōu)劣；以制度變遷的一般理論為借鑒,簡(jiǎn)要分析了金融消費(fèi)者隱私保密與披露的制衡力量以及隱私保護(hù)的限度與可能,得出金融消費(fèi)者隱私權(quán)保護(hù)需要國(guó)家干預(yù),以矯正二者失衡局面的一般結(jié)論。第三章“我國(guó)金融消費(fèi)者隱私權(quán)法律保護(hù)現(xiàn)狀與立法評(píng)析”,運(yùn)用法實(shí)證主義的分析方法,重點(diǎn)分析《侵權(quán)責(zé)任法》、《消費(fèi)者權(quán)益保護(hù)法》和相關(guān)金融法制的保護(hù)不足,既是對(duì)第二章制度變遷理論運(yùn)用的進(jìn)一步證實(shí),也為金融消費(fèi)者隱私權(quán)保護(hù)的法制完善明晰改進(jìn)的對(duì)象,有的放矢。第四章“金融消費(fèi)者隱私權(quán)保護(hù)機(jī)制再鑄”,在前文分析的基礎(chǔ)上,從國(guó)家干預(yù)、行業(yè)自律和消費(fèi)者結(jié)社維權(quán)三個(gè)角度論證了在完善相關(guān)立法和監(jiān)管機(jī)制的前提下,構(gòu)建以《侵權(quán)責(zé)任法》為一般法救濟(jì),《消費(fèi)者權(quán)益保護(hù)法》為特殊法救濟(jì)和相關(guān)金融法為專門救濟(jì)的立法保護(hù)體系的現(xiàn)實(shí)性和可行性,并在細(xì)化規(guī)章指引、完善投訴處理程序、開展金融消費(fèi)者教育等方面提出了改進(jìn)建議。
[Abstract]:Financial consumer is the migration of consumer concept in the field of finance. Financial consumers refer to natural persons who buy, use or receive financial services for their needs. Along with the development of network, information technology innovation and financial mixed operation, the transmission and sharing of information becomes more large-scale and efficient. At the same time, it also increases the risk of improper disclosure and illegal use of private financial, credit or transaction information. It is urgent to protect the right to privacy of financial consumers. The current legislation on the privacy of financial consumers is extremely careless, principles, legislative value orientation more emphasis on financial institutions, supervision and justice and other public authority departments to obtain information. In addition, the dispersion of individual financial consumers and the low efficiency of the high settlement mechanism of the cost of safeguarding rights make it difficult for financial consumers to remedy the privacy infringement. Therefore, the protection of financial consumers' privacy right is in urgent need of theoretical research and practical exploration. This article is divided into four chapters: the first chapter "Financial consumers and financial consumer privacy definition", from the analysis of the concept of financial consumer and financial consumer privacy concept, clarify the subject of protection and protection of the object of research. The second chapter, "the inherent mechanism of financial consumer privacy protection", from the perspective of law and economics, discusses the legal basis of contract law and tort law based on the scope of rights validity, and compares the advantages and disadvantages of the two protection. Based on the general theory of institutional change, this paper briefly analyzes the checks and balances of privacy confidentiality and disclosure of financial consumers and the limits and possibilities of privacy protection, and concludes that the protection of financial consumers' privacy needs state intervention. To correct the general conclusion of the imbalance between the two. The third chapter, "the current situation and legislative analysis of the legal protection of the right to privacy of financial consumers in China", focuses on the inadequate protection of the tort liability law, the consumer rights protection law and the related financial legal system by using the legal positivist analysis method. It is not only the further confirmation of the application of the theory of institutional change in Chapter II, but also the object of clear improvement of the legal system for the protection of the right to privacy of financial consumers. The fourth chapter "Financial consumer privacy protection mechanism re-cast", on the basis of the previous analysis, from the state intervention, industry self-discipline and consumer association rights protection in the premise of improving the relevant legislation and regulatory mechanism. The reality and feasibility of constructing the legislative protection system with tort liability law as the general law relief, consumer rights and interests protection law as the special law relief and related financial law as the special relief, and the detailed rules and regulations guide, Improve the complaint handling procedures, financial consumer education and other aspects of the recommendations for improvement.
【學(xué)位授予單位】：中央民族大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：D923.8
本文編號(hào)：2383085
[Abstract]:Financial consumer is the migration of consumer concept in the field of finance. Financial consumers refer to natural persons who buy, use or receive financial services for their needs. Along with the development of network, information technology innovation and financial mixed operation, the transmission and sharing of information becomes more large-scale and efficient. At the same time, it also increases the risk of improper disclosure and illegal use of private financial, credit or transaction information. It is urgent to protect the right to privacy of financial consumers. The current legislation on the privacy of financial consumers is extremely careless, principles, legislative value orientation more emphasis on financial institutions, supervision and justice and other public authority departments to obtain information. In addition, the dispersion of individual financial consumers and the low efficiency of the high settlement mechanism of the cost of safeguarding rights make it difficult for financial consumers to remedy the privacy infringement. Therefore, the protection of financial consumers' privacy right is in urgent need of theoretical research and practical exploration. This article is divided into four chapters: the first chapter "Financial consumers and financial consumer privacy definition", from the analysis of the concept of financial consumer and financial consumer privacy concept, clarify the subject of protection and protection of the object of research. The second chapter, "the inherent mechanism of financial consumer privacy protection", from the perspective of law and economics, discusses the legal basis of contract law and tort law based on the scope of rights validity, and compares the advantages and disadvantages of the two protection. Based on the general theory of institutional change, this paper briefly analyzes the checks and balances of privacy confidentiality and disclosure of financial consumers and the limits and possibilities of privacy protection, and concludes that the protection of financial consumers' privacy needs state intervention. To correct the general conclusion of the imbalance between the two. The third chapter, "the current situation and legislative analysis of the legal protection of the right to privacy of financial consumers in China", focuses on the inadequate protection of the tort liability law, the consumer rights protection law and the related financial legal system by using the legal positivist analysis method. It is not only the further confirmation of the application of the theory of institutional change in Chapter II, but also the object of clear improvement of the legal system for the protection of the right to privacy of financial consumers. The fourth chapter "Financial consumer privacy protection mechanism re-cast", on the basis of the previous analysis, from the state intervention, industry self-discipline and consumer association rights protection in the premise of improving the relevant legislation and regulatory mechanism. The reality and feasibility of constructing the legislative protection system with tort liability law as the general law relief, consumer rights and interests protection law as the special law relief and related financial law as the special relief, and the detailed rules and regulations guide, Improve the complaint handling procedures, financial consumer education and other aspects of the recommendations for improvement.
【學(xué)位授予單位】：中央民族大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：D923.8
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，本文編號(hào)：2383085
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