论个人金融信息的法律保护民商法学专业论文.docxVIP

重庆大 重庆大学硕士学位论文 英文摘要 PAGE PAGE VI ABSTRACT In modern economic activities, personal financial information kept by financial organizations such as banks has become important social resource. However, these financial organizations always tend to pursue their own interests at the expense of the privacy of personal financial information and even to use the information to make benefits, leaving personal financial privacy at lurch. Without effective legislation, the inevitable misuse and abuse of personal financial information will be certain to impair the interests of information objects. The protection of personal financial information is seldom touched in the academic circles of China. Moreover, neither has any agreement been reached on the basic issues of the conception and contents of personal financial information, nor is there any common understanding as for the principles of personal financial information protection, the rights and interests of information objects as well as the relevant legal liabilities. Given that today personal financial information is playing a growing important role in protecting natural persons’ human rights, promoting information circulation and facilitating the information development, the research on the basic theories and other major issues has significant meaning on building a personal financial information protection system (PFIPS) and improving the personal information legislation in China. The present paper falls into 4 parts: Part 1 is an overview of personal financial information, beginning with the analysis of its contents and characteristics. Personal financial information is the information about individual persons acquired by banks in the business intercourse between the information objects and banks. It includes identity information, business information and credit information, and it is characterized by identification, human rights and property. Its objects are individual persons. Besides, the necessity of protecting person