本文選題：網(wǎng)絡(luò)個人金融信息 + 權(quán)利性質(zhì)��； 參考：《哈爾濱工業(yè)大學(xué)》2016年碩士論文

【摘要】：網(wǎng)絡(luò)技術(shù)的普及使金融業(yè)迅速發(fā)展,金融消費者隊伍崛起,同時產(chǎn)生了大量的網(wǎng)絡(luò)個人金融信息。如何對網(wǎng)絡(luò)個人金融信息進(jìn)行有效的保護(hù),成為學(xué)術(shù)界與實務(wù)界重要的研究課題。學(xué)術(shù)界關(guān)于網(wǎng)絡(luò)個人金融信息的研究尚不充足,法律上網(wǎng)絡(luò)個人金融信息的規(guī)范不完善,金融機構(gòu)對網(wǎng)絡(luò)個人金融信息安全保障義務(wù)不足,司法實踐中網(wǎng)絡(luò)個人金融信息頻遭侵害。囿于此,亟需對網(wǎng)絡(luò)個人金融信息的概念、權(quán)利性質(zhì)、救濟(jì)方式等基本理論進(jìn)行探討。論文分析了網(wǎng)絡(luò)個人金融信息受侵害現(xiàn)狀的原因,研究深層次的保護(hù)理念與法律制度,進(jìn)而提出更加完善的保護(hù)方案,以此保護(hù)網(wǎng)絡(luò)個人金融信息,維護(hù)信息主體的權(quán)利,促進(jìn)金融業(yè)的健康發(fā)展。梳理網(wǎng)絡(luò)個人金融信息的研究背景及國內(nèi)外研究現(xiàn)狀可以發(fā)現(xiàn),學(xué)者對于網(wǎng)絡(luò)個人金融信息的定義、性質(zhì)、救濟(jì)方式等內(nèi)容還存在一些爭議。對此,應(yīng)當(dāng)適當(dāng)擴展其定義,才能更好地保護(hù)網(wǎng)絡(luò)個人金融信息。網(wǎng)絡(luò)個人金融信息雖然含有財產(chǎn)因素,但是分析網(wǎng)絡(luò)個人金融信息的人格尊嚴(yán)與人格平等的因素,應(yīng)當(dāng)采取人格權(quán)性質(zhì)說。其受到侵害后,對于救濟(jì)方式的確定,也不能簡單地計算財產(chǎn)價值,而應(yīng)當(dāng)綜合各方面因素,采取精神損害與物質(zhì)損害賠償并存的責(zé)任承擔(dān)方式。對網(wǎng)絡(luò)個人金融信息法律關(guān)系進(jìn)行探討,分析其權(quán)利內(nèi)容,可以看出網(wǎng)絡(luò)個人金融信息的保護(hù)義務(wù)也不應(yīng)當(dāng)局限于金融機構(gòu),監(jiān)管機關(guān)等義務(wù)主體同樣需要履行相關(guān)義務(wù)。需要對更加廣泛的義務(wù)主體進(jìn)行探討,更好地保護(hù)網(wǎng)絡(luò)個人金融信息。運用規(guī)范分析法和文獻(xiàn)分析法,對相關(guān)法律和文獻(xiàn)資料進(jìn)行研究,把個人金融信息的理論基礎(chǔ)與實踐中出現(xiàn)的問題相聯(lián)系。結(jié)合我國個人金融信息實踐中的具體情況,重構(gòu)新型四位一體的保護(hù)模式,界定各方主體的保護(hù)義務(wù),極具重要意義�；貞�(yīng)現(xiàn)實中的案例,對網(wǎng)絡(luò)個人金融信息進(jìn)行研究。理論層面,網(wǎng)絡(luò)個人金融信息的保護(hù)模式的構(gòu)建,可以豐富網(wǎng)絡(luò)個人金融信息理論,深化保護(hù)金融消費者的監(jiān)管理念,促進(jìn)網(wǎng)絡(luò)個人金融信息的流通與共享,完善信息監(jiān)管機制。實踐層面,侵害網(wǎng)絡(luò)個人金融信息的案件需要解決,法律規(guī)范隨網(wǎng)絡(luò)信息社會的變化需要及時調(diào)整,加快相關(guān)立法發(fā)展,司法審判的法律依據(jù)得以確立,更好地保護(hù)信息主體的權(quán)益,保障金融體系的穩(wěn)定。
[Abstract]:With the popularization of network technology, the financial industry develops rapidly, the financial consumer ranks rise, and at the same time, a large amount of personal financial information is generated. How to effectively protect the network personal financial information has become an important research topic in academic and practical circles. The academic circles about the network personal financial information research is not enough, the legal network personal financial information standard is not perfect, the financial institution to the network personal financial information security safeguard duty is insufficient, Network personal financial information is frequently violated in judicial practice. Because of this, it is urgent to discuss the basic theories of network personal financial information, such as the concept of network personal financial information, the nature of rights, the way of relief and so on. This paper analyzes the reasons of the current situation of network personal financial information infringement, studies the deep level of protection concept and legal system, and then puts forward a more perfect protection scheme, so as to protect the network personal financial information and safeguard the rights of the information subject. To promote the healthy development of the financial industry. Combing the research background of network personal financial information and the current research situation at home and abroad, it can be found that there are still some controversies about the definition, nature and relief of online personal financial information. In order to better protect personal financial information, we should extend its definition appropriately. Although the network personal financial information contains the property factor, it should adopt the personality right nature to analyze the factor of the personal dignity and the personality equality of the network personal financial information. After being infringed, we can not simply calculate the value of property for the determination of relief mode. Instead, we should integrate all factors and take the responsibility of moral damage and material damage compensation. This paper probes into the legal relationship of network personal financial information and analyzes the content of its right. It can be seen that the obligation of protection of network personal financial information should not be limited to financial institutions, and the subject of obligations such as supervisory authorities also needs to perform relevant obligations. It is necessary to probe into more extensive subjects of obligation to better protect personal financial information. By using the normative analysis method and the literature analysis method, the relevant laws and documents are studied, and the theoretical basis of personal financial information is related to the problems in practice. It is of great significance to reconstruct the new four-in-one protection model and define the protection obligations of the parties concerned in the light of the specific situation in the practice of personal financial information in China. In response to the real case, the network personal financial information research. Theoretically, the construction of network personal financial information protection model can enrich the network personal financial information theory, deepen the concept of supervision to protect financial consumers, and promote the circulation and sharing of network personal financial information. We will improve the information supervision mechanism. On the practical level, the cases of infringing personal financial information need to be solved, the legal norms need to be adjusted with the changes of the network information society, the development of relevant legislation should be speeded up, and the legal basis of judicial trial can be established. Better protect the rights and interests of information subjects and ensure the stability of the financial system.
【學(xué)位授予單位】：哈爾濱工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：D922.28
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本文編號：1850561