【精品PPT】银行保密法对征信发展的影响教案.pptVIP

* No Consent不经客户同意 Some countries have no bank secrecy law, and thus no restrictions on providing information to credit bureaus 一些国家没有银行保密法，因此银行在给信用局提供信息时不受限制 Other countries, such as Russia, have exceptions to the bank secrecy laws that would permit sharing without consent. 像俄国等其它一些国家，它们的银行保密法例外条款允许不经客户同意就分享信息 Finally, there are countries, like the United States, that permit sharing without consent, due to the existence of credit reporting laws (US had no applicable bank secrecy law pre-1999) 最后，有一些像美国一样的国家，由于存在信用报告法，所以允许不经客户同意就可以分享信息（1999年以前，美国没有可适用的银行保密法） * With Consent经客户同意 Bank secrecy laws in many countries permit banks to obtain their customers’ consent to share account-related information with third parties. 实行银行保密法的许多国家都允许银行得到他们客户的同意之后来与第三方分享与客户帐户有关的信息 E.g., Egypt’s bank secrecy law permits disclosing account information with the “written permission of the customer” 例如：埃及的银行保护法允许得到“客户的笔头同意”后可以透漏客户的帐户信息 * With Data Protection有数据保护 Some countries have a strong bank secrecy law and a data protection law, which permit credit reporting without consent. 一些国家有强有力的银行保密法和数据保护法，从而允许不经客户同意的信用报告 E.g., the Czech Banking Act specifically permits the establishment of a credit reporting database that does not require consent without violating the bank secrecy provisions 例如：捷克银行法明确允许信用报告数据库的建立，只要没有违反银行保密条款就不需要经客户同意 * Conclusions结论 While bank secrecy laws have been cited as the reason credit reporting bureaus cannot be established, an analysis of bank secrecy laws demonstrates: 当银行保密法被引用作为信用报告局不应该被建立的原因时，一项关于银行保密法的分析证明： Some do not require consent 一些不需经客户同意 Some do not require consent because data protection laws are in place 一些由于存在数据保护法而不需经客户同意 Some permit sharing with consent 一些允许在经客户同意的情况下分享信息 Thus, bank secrecy laws are not a bar to the establishment of credit reporting 因此，银行保密法不是建立信用报告的障碍 * Thanks谢谢 Thanks to co-author Margaret Miller 感谢合著者Margaret Miller * David Medine Wilmer Cutler Pickering Hale and Dorr LLP David.Medine@ (202) 663-6220 * 艤缬坺梚腻檺鴟蠓隱糗竦甭暣燈顃躎状乍熜躯鮣