【摘要】：金融市場(chǎng)的不斷發(fā)展促使金融服務(wù)范圍的擴(kuò)大和內(nèi)容的擴(kuò)展,由此金融機(jī)構(gòu)便通過(guò)其服務(wù)內(nèi)容收集到較多的個(gè)人金融信息,而這些個(gè)人信息在現(xiàn)在信息化時(shí)代卻有著一定的經(jīng)濟(jì)價(jià)值,成為金融機(jī)構(gòu)等的商業(yè)資源,使得金融消費(fèi)者隱私權(quán)的侵害問(wèn)題呈現(xiàn)迅速擴(kuò)大趨勢(shì),其保護(hù)也日益受到關(guān)注。在我國(guó)香港和西方發(fā)達(dá)國(guó)家如美國(guó)、歐盟已經(jīng)形成了一套較為成熟的金融消費(fèi)者隱私權(quán)保護(hù)體系。然而,我國(guó)金融消費(fèi)者隱私權(quán)保護(hù)的現(xiàn)狀卻不容樂(lè)觀,在金融侵權(quán)和維權(quán)的實(shí)踐與博弈過(guò)程中,金融消費(fèi)者維權(quán)意識(shí)淡薄、維權(quán)手段不足、法制保障滯后和體制機(jī)制不盡完善等諸方面因素融合在一起,使得我國(guó)金融消費(fèi)者隱私權(quán)保護(hù)成為亟待解決的現(xiàn)實(shí)問(wèn)題。目前,我國(guó)的法律保護(hù)存在較大問(wèn)題:立法層次較低,體系不完善;立法內(nèi)容抽象,缺乏適用性;救濟(jì)途徑不足,規(guī)定不合理;監(jiān)管主體缺位,體系不完整等。因此,本文將結(jié)合國(guó)內(nèi)外立法經(jīng)驗(yàn)及我國(guó)現(xiàn)狀,針對(duì)這些問(wèn)題提出完善建議,包括確定法律保護(hù)體系的總體思路建議和對(duì)金融消費(fèi)者隱私權(quán)的主體、客體、內(nèi)容作出明確界定以及完善救濟(jì)程序等作出具體建議。
[Abstract]:The continuous development of the financial market promotes the expansion of the scope of financial services and the expansion of the content, so financial institutions collect more personal financial information through the content of their services. But these personal information has certain economic value in the present information age, becomes the commercial resources such as the financial institution, causes the financial consumer privacy infringement question to present the rapid expansion tendency, its protection also receives the attention day by day. In Hong Kong and western developed countries, such as the United States, the European Union has formed a more mature financial consumer privacy protection system. However, the current situation of financial consumer privacy protection in China is not optimistic. In the process of financial tort and rights safeguarding practice and game, financial consumers have weak awareness of safeguarding their rights and insufficient means of safeguarding their rights. The lagging legal system and imperfect system make the protection of the right to privacy of financial consumers in our country a real problem to be solved urgently. At present, there are some problems in the legal protection of our country: low level of legislation, imperfect system, abstract content of legislation, lack of applicability, insufficient remedies, unreasonable regulation, absence of supervisory body, incomplete system, etc. Therefore, this article will combine the domestic and foreign legislative experience and the present situation of our country, to put forward the consummate suggestion to these questions, including the general thought suggestion of the legal protection system and the subject and object of the financial consumer privacy right. The content makes clear definition and consummates relief procedure and so on makes the concrete proposal.
【學(xué)位授予單位】：西南科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.28;D923.8

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本文編號(hào)：2385374