本文選題：個人金融信息 + 侵害　； 參考：《南京大學(xué)》2015年碩士論文

【摘要】：個人金融信息不同于通常的個人信息,其是商業(yè)銀行在業(yè)務(wù)過程中收集的重要基礎(chǔ)數(shù)據(jù),內(nèi)容包括客戶財產(chǎn)、賬戶、信用、交易信息等。個人金融信息不同于一般的個人信息,其不僅具有人格權(quán)益,也具有豐富的財產(chǎn)權(quán)益性質(zhì),一旦受到不法侵害,將是對信息所有人人格和財產(chǎn)的雙重侵害,這是個人金融信息有別于個人信息的重要原因。作為個人金融信息的收集者、保管者和使用者,商業(yè)銀行如何收集、使用和保存?zhèn)�人金融信息,不僅關(guān)系到商業(yè)銀行業(yè)務(wù)的開展,也影響到客戶權(quán)益的保護。當下,商業(yè)銀行侵害客戶個人金融信息時有發(fā)生,這不但侵害了客戶權(quán)益,也增加了商業(yè)銀行的訴訟風(fēng)險、運營成本。所以,有必要對個人金融信息的性質(zhì)、侵害個人金融信息的責(zé)任性質(zhì)進行研究,以期加強商業(yè)銀行合理收集、使用和保存?zhèn)�人金融信息,規(guī)避不當行為侵害客戶個人金融信息。文章分為三個部分：第一部分介紹了個人金融信息的概念、范圍及種類,闡述了個人金融信息的重要意義,列舉了商業(yè)銀行侵害個人金融信息的典型形式,進而分析了商業(yè)銀行保護個人金融信息責(zé)任的法理基礎(chǔ)；第二部分討論了商業(yè)銀行保護個人金融信息的義務(wù)來源、種類及內(nèi)容,闡述了商業(yè)銀行侵害個人金融信息時承擔侵權(quán)責(zé)任時的構(gòu)成要件認定問題,如商業(yè)銀行的主觀過錯認定、不當行為與損害結(jié)果之間的因果關(guān)系認定以及損害結(jié)果的界定問題等：第三部分主要分析了商業(yè)銀行侵害客戶個人金融信息行為的法律性質(zhì)及其應(yīng)當承擔的法律責(zé)任,分析比較了違約責(zé)任和侵權(quán)責(zé)任二者競合時的權(quán)利選擇問題,同時也討論了商業(yè)銀行員工侵權(quán)時商業(yè)銀行的責(zé)任承擔問題及第三人侵害客戶個人金融信息時商業(yè)銀行是否應(yīng)當擔責(zé)及責(zé)任認定的標準。
[Abstract]:Personal financial information is different from normal personal information. It is an important basic data collected by commercial banks in the process of business, including customer property, accounts, credit, transaction information and so on.Personal financial information is different from general personal information. It has not only personality rights and interests, but also rich property rights and interests.This is the important reason why personal financial information is different from personal information.As the collector, custodian and user of personal financial information, how to collect, use and preserve personal financial information by commercial banks is not only related to the development of commercial bank business, but also to the protection of customers' rights and interests.At present, commercial banks encroach on personal financial information of customers, which not only infringes on the rights and interests of customers, but also increases the litigation risk and operating costs of commercial banks.Therefore, it is necessary to study the nature of personal financial information and the nature of responsibility for infringing personal financial information, in order to strengthen the rational collection, use and preservation of personal financial information by commercial banks, and avoid improper behavior infringing personal financial information of customers.The article is divided into three parts: the first part introduces the concept, scope and types of personal financial information, expounds the significance of personal financial information, and lists the typical forms of commercial banks infringing personal financial information.Then it analyzes the legal basis of the responsibility of commercial banks to protect personal financial information. The second part discusses the sources, types and contents of the obligations of commercial banks to protect personal financial information.This paper expounds the identification of the constitutive elements of the tort liability when the commercial bank infringes upon the personal financial information, such as the subjective fault determination of the commercial bank.The causality between the misconduct and the result of the damage and the definition of the result of the damage are discussed. The third part mainly analyzes the legal nature and the legal liability of the commercial bank against the individual financial information of the customer.This paper analyzes and compares the choice of rights between the liability for breach of contract and the liability for tort.At the same time, it also discusses the liability of commercial banks when the employees of commercial banks infringe on the personal financial information of customers and whether the commercial banks should be held responsible and the standards of liability confirmation when the third party infringes on the personal financial information of customers.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D922.28;D923

【參考文獻】

相關(guān)期刊論文 前10條

1 馬特;;侵犯隱私權(quán)的構(gòu)成及類型化研究[J];北方法學(xué);2007年04期

2 卜祥瑞;;商業(yè)銀行侵犯客戶金融隱私權(quán)問題探討[J];銀行家;2009年05期

3 費安玲;論合同法中的附隨義務(wù)[J];當代司法;1999年09期

4 李勇;銀行保密義務(wù)法律問題研究[J];廣東財經(jīng)職業(yè)學(xué)院學(xué)報;2004年01期

5 吳燕;;淺析網(wǎng)絡(luò)銀行中的信息不對稱問題[J];北方經(jīng)貿(mào);2008年02期

6 彭志貞;林慶管;;論商業(yè)銀行個人金融信息保護機制的構(gòu)建[J];南方金融;2012年09期

7 陳堅;;論銀行業(yè)個人金融信息的法律保護[J];法制與社會;2013年05期

8 錢源;姜昕;;論金融隱私權(quán)在我國的構(gòu)建[J];河北大學(xué)學(xué)報(哲學(xué)社會科學(xué)版);2009年06期

9 沈燁;論銀行的保密義務(wù)[J];河北經(jīng)貿(mào)大學(xué)學(xué)報;2000年05期

10 姬瑞朝,薛東領(lǐng);論存款機構(gòu)的保密義務(wù)[J];金融理論與實踐;2005年10期

，

本文編號：1772584