我国银行客户隐私权保护分析研究.pdfVIP

我国银行客户隐私权保护研究 摘 要 考察我国金融法规的现状不难发现，有关银行金融隐私权保护义 务的立法缺乏系统性，许多方面存在立法空白。目前，我国尚无专门 的银行保密法或金融隐私权保护法，银行客户的信息利益很容易受到 侵犯。此种情形下，本文通过对金融隐私权这一法律权利创设与演进 的探讨，并借鉴国外立法和实践，希望有助于建立和完善我国的金融 隐私权制度，切实保护我国银行客户的金融隐私权。 本文从三方面对这一问题进行探讨。首先，从隐私的词源梳理隐 私权产生及发展的脉络，进而提出金融隐私权这一概念。金融隐私权 是具有财产权性质、可由主体支配的权利，它使信息持有者对其信息 拥有某种财产权。其次，探讨金融隐私权与信息披露之间的冲突与平 衡，具体探讨金融隐私权与信用征信和反洗钱的冲突与平衡。由于金 融隐私权扩展了权利的内容，创设了新的权利，从而增加了权利冲突 的可能性。正是在制衡冲突、平衡各种利益的过程中，金融隐私权规 则不断得以完善和成熟。最后，考察我国金融隐私权保护的立法现状 并对其进行分析，进而提出关于健全和完善我国金融隐私权制度的几 点建议。 关键词：银行客户，金融隐私权，信息披露 RESEARCH ON FINANCIAL PRIVACY OF BANKING CLIENTS IN OUR COUNTRY ABSTRACT We can find that the law about financial privacy of bank is lack of system in our country, and there is no Bank Secrecy Act or The Right to Financial privacy Act and so on, and the interests of the clients about information were violated sometimes. In this situation, the paper may help in perfecting our system of financial privacy and protecting the interests of clients by analyzing the born and evolution of financial privacy and the systems of other countries. This paper includes three parts. Firstly, it puts forwards the financial privacy by dealing with the born of privacy and evolution of the right to privacy. The financial privacy is the right of wealth which can be controlled by oneself, it includes the information of wealth, especially the information about credit. Secondly, it discusses the conflicts and balances between the financial privacy and information disclosure. Because the financial privacy have expanded the contents of rights, the conflict between the rights is inevitable, and this part deals with the conflicts and balances between financial privacy and credit checking system, between fi