金融消费者隐私权保护的法律问题分析-高级工商管理专业论文.docxVIP

西南科技大学硕士研究生学位论文第 西南科技大学硕士研究生学位论文 第 I 页 摘 要 金融市场的不断发展促使金融服务范围的扩大和内容的扩展，由此金融 机构便通过其服务内容收集到较多的个人金融信息，而这些个人信息在现在 信息化时代却有着一定的经济价值，成为金融机构等的商业资源，使得金融 消费者隐私权的侵害问题呈现迅速扩大趋势，其保护也日益受到关注。在我 国香港和西方发达国家如美国、欧盟已经形成了一套较为成熟的金融消费者 隐私权保护体系。然而，我国金融消费者隐私权保护的现状却不容乐观，在 金融侵权和维权的实践与博弈过程中，金融消费者维权意识淡薄、维权手段 不足、法制保障滞后和体制机制不尽完善等诸方面因素融合在一起，使得我 国金融消费者隐私权保护成为亟待解决的现实问题。目前，我国的法律保护 存在较大问题：立法层次较低，体系不完善；立法内容抽象，缺乏适用性； 救济途径不足，规定不合理；监管主体缺位，体系不完整 等。因此，本文将 结合国内外立法经验及我国现状，针对这些问题提出完善建议，包括确定法 律保护体系的总体思路建议和对金融消费者隐私权的主体、客体、内容作出 明确界定以及完善救济程序等作出具体建议。 关键词：金融消费者隐私权 法律保护 完善建议 西南科技大学硕士研究生学位论文第 西南科技大学硕士研究生学位论文 第 II 页 Abstract The continuous development of financial markets prompted financial service scope expansion and extension of the content， the financial institutions through its service content more personal financial information is collected， and the personal information in this information age has a certain economic value ， become the financial institutions and other business resources， which makes the financial consumer privacy infringement problems showed a trend of rapidly expanding and its protection is increasingly attention. In our country Hong Kong area and the western developed countries ， such as the United States ， the European Union countries have formed a set of relatively mature financial consumer privacy protection system. Financial consumer privacy protection in China， however， the situation is not optimistic， in the financial torts and the practice of human rights and the game process ， financial consumer rights protection consciousness weak， the lack of measures， legal guarantee system of lag and the mechanism is not perfect and so on various aspects of factors together ， make financial consumer privacy protection in our country become a realistic problem urgently to be solved. Now protection present situation in our country are: the legislative level is low ， the system is not perfect; Legislation content abstract， lack of applicability; Inadeq