本文選題：銀行保密制度 + 信息披露��； 參考：《華中科技大學》2013年碩士論文

【摘要】：銀行保密制度是商業(yè)銀行保護商業(yè)機密的重要保障，也是商業(yè)銀行與客戶關系的重要內(nèi)容之一，對于保障客戶的個人隱私權也起著至關重要的作用。英美法系和大陸法系都對商業(yè)銀行需保障客戶的這一權益有十分明確的規(guī)定。為客戶保密是商業(yè)銀行作為信用機構的基石，是商業(yè)銀行對客戶遵循的首要義務。商業(yè)銀行對其在資金交易中獲得的客戶信息應承擔保密責任。但在商業(yè)銀行的保密制度日趨發(fā)展完善的同時，伴隨著復雜的社會問題、經(jīng)濟問題的出現(xiàn)，，商業(yè)銀行的保密制度也日益暴露出了一定的弊端，因此保密制度又不能絕對化和神秘化，各國也從法律層面上規(guī)定了保密制度的一些例外規(guī)則，即在特定的情形下，為協(xié)助金融監(jiān)管、打擊犯罪、開展稅務調(diào)查等，銀行也有義務對部分客戶信息予以披露。 當前，我國對銀行保密制度的認識還不夠，盡管公民的維權意識有了很大的提高，遭受侵害時尋求法律救濟的意識增強，但是個人財產(chǎn)隱私權保護對于銀行保密制度的重要性仍未有充分的認識，立法中也對此沒有一個完備的法律體系。隨著經(jīng)濟的發(fā)展和金融業(yè)的不斷開放發(fā)展，國際間金融業(yè)的合作也越來越頻繁，很多外來的金融機構也進駐了我國市場，這也因此成為我國完善商業(yè)銀行保密制度的原因之一。于此同時，商業(yè)銀行的保密制度也給打擊洗錢犯罪、金融監(jiān)管、稅務調(diào)查等工作的開展造成了很大的障礙，甚至存在著公民隱私權濫用的現(xiàn)象。 忽視對公民金融隱私權的保護和金融隱私權的濫用都會導致嚴重的社會問題和法律問題，因此在健全商業(yè)銀行保密制度、保護客戶金融隱私權的同時，要兼顧好社會公共利益，找到二者的平衡點。本文旨在從法律層面促進我國商業(yè)銀行保密制度的完善、統(tǒng)籌好個人隱私權及社會公共利益的關系并提出相關的建議。
[Abstract]:Bank secrecy system is an important safeguard for commercial banks to protect commercial secrets, and also one of the important contents of commercial banks' relationship with customers. It also plays a vital role in protecting the personal privacy of customers. Anglo-American law system and civil law system have very clear stipulation that commercial bank should protect this right of customer. Customer secrecy is the cornerstone of commercial banks as credit institutions, is the first obligation that commercial banks follow to customers. The commercial bank shall assume the duty of confidentiality to the customer information obtained in the fund transaction. However, with the development and perfection of the secrecy system of commercial banks, along with the emergence of complex social problems and economic problems, the secrecy system of commercial banks has increasingly exposed some drawbacks. Therefore, the secrecy system cannot be absolute or mysterious. Countries have also stipulated some exceptional rules of the secrecy system at the legal level, that is, in order to assist financial supervision, crack down on crime, and carry out tax investigations, etc., under certain circumstances, Banks are also obliged to disclose some customer information. At present, our country's understanding of the bank secrecy system is not enough, although citizens' awareness of protecting their rights has been greatly improved, and the awareness of seeking legal remedies in the event of infringement has increased. However, the importance of the protection of personal property privacy to the bank secrecy system has not been fully understood, and there is not a complete legal system in the legislation. With the development of economy and financial industry, the cooperation of international financial industry is becoming more and more frequent, and many foreign financial institutions have entered the market of our country, which has become one of the reasons for our country to perfect the secrecy system of commercial banks. At the same time, the secrecy system of commercial banks has also caused great obstacles to the fight against money laundering, financial supervision, tax investigation and even the abuse of citizens' right to privacy. Neglecting the protection of citizen's right to financial privacy and the abuse of financial privacy will lead to serious social and legal problems. Therefore, while perfecting the secrecy system of commercial banks and protecting the right to financial privacy of customers, it is necessary to take into account the social and public interests. Find a balance between the two. The purpose of this paper is to promote the perfection of Chinese commercial bank secrecy system from the legal level, to coordinate the relationship between personal privacy and social public interest, and to put forward relevant suggestions.
【學位授予單位】：華中科技大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：D922.281

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本文編號：2062530