Research On The Security Right Of Internet Finance Consumers In The Age Of Big Data

At present,the Internet era in the context of big data,the integration of the characteristics of the times and the financial industry has promoted the emergence of Internet finance.In this context,Internet finance has brought efficiency and convenience to financial consumers,but it has also caused many problems,leading to some violations of consumer rights.In addition to the drawbacks of some traditional finances,Internet finance itself also has some defects caused by the characteristics of the times,which has led to the violation of the legitimate rights and interests of Internet financial consumers.Consumers' personal information security and financial security are often damaged.Among them,there are technical flaws,insufficient self-discipline of operators themselves,insufficient consumer financial knowledge,etc,but more are caused by the imperfect Internet financial consumer rights protection system in China.This paper takes Internet financial consumers as the research object,and analyzes the most core security rights in Internet financial consumer rights.This paper first clarifies the related concepts,then analyzes the security right from the perspective of traditional consumers and emerging consumers,and then recognizes the meaning of Internet financial consumer security rights protection.Combined with the current difficulties and the causes of the dilemma,we will discuss how to protect the security rights of Internet financial consumers,and finally put forward relevant suggestions for improvement.In addition to the introduction,this article is divided into four parts.The first part is the concept of the security right of Internet finance consumers in the era of big data and the cognition of the meaning of security.Firstly,it recognizes the concept of Internet financial consumers in the context of the times,and then from the perspective of traditional consumers and emerging consumers.The connotation of the analysis,from the analysis of the two to get the meaning of Internet financial consumer security rights protection.The second part takes the logic of the first part and puts the foothold on the predicament faced by the security of Internet financial consumers.The specific problems encountered in the security of personal information security and financial security are discussed separately..This paper starts with the current difficulties and analyzes some problems encountered in the collection,preservation,use and sharing of personal information.For the analysis of capital security issues,it analyzes three aspects: technical risk,transaction risk and deposit risk.Some of the problems that are currently encountered.Judging from the current difficulties,China's current Internet financial consumer security rights have a great risk of being invaded in reality.The third part explores the causes of the security of the security of Internet financial consumers.This paper discusses the causes of the predicament of the security of Internet financial consumers,from the legal and regulatory aspects.For the security predicament of personal information security,there are reasons for the fragmentation,abstraction,lack of operability,and unsound responsibility mechanism at the legal protection level.On the level of regulatory support,the paper analyzes the issues of institutional supervision and industry self-regulation,and also discusses the overlap and blank issues in supervision.The fourth part analyzes the dilemmas we are currently facing in the second part and the causes of the dilemma in the third part.Based on the domestic reality,drawing on foreign experience and taking practical problems as the guide,it puts forward suggestions on the improvement of personal financial security and financial security system for Internet financial consumers.Corresponding suggestions for the difficulties encountered in institutional supervision and industry self-regulation have also been put forward.Therefore,we must rely on the background of the times,the solution to the dilemma faced by the problem,recognize the causes of the current predicament,and guarantee the security rights of Internet financial consumers combined with the characteristics of the background of the times to improve their security system.