On The Financial Consumer Privacy Protection Laws

In recent years, in the global rise and a frenzy of Internet financial, makes the network information security loopholes-hackers malicious attacks, financial website information is wantonly, network financial fraud, user data is tamper with the frequent and business events, for the vast number of consumer financial privacy brings huge hidden trouble, received wide attention from all sectors of society, as a graduate of law, I always pay attention to this problem, and do some research and analysis, hence the birth of this article.The full text there are four chapters except the introduction:The first chapter introduces the general theory about financial consumer privacy. This chapter mainly includes two parts, the first part mainly from the concept of financial consumer privacy, nature, the protection of the main body, object, the power of financial privacy, and introduces the characteristics of financial privacy; The second part mainly analyzed theoretically the value of financial consumer protection; From the financial consumers, financial markets, financial order three aspects specific analysis of the realistic significance of financial consumer privacy.The second chapter mainly demonstrates the manifestations and causes of China’s financial consumer privacy is being violated. By analysis shows, at present, China’s financial consumer privacy is being violated are mainly concentrated in the performance of the banking and insurance industries, leakage and speculation became the main way of financial privacy violations. Staff personal negligence in addition, financial institutions, financial institutions share and announced the "blacklist", discriminatory treatment, make consumer financial privacy is being violated happened frequently. The reason is found that the financial consumers violated basic reason lies in the interests of the market economy drive, financial institutions in the process of project outsourcing operation is not standard, about financial consumer privacy protection law system in our country, and the Internet financial security hidden danger from birth information are important reasons.The third chapter mainly discusses the legislation about financial consumer privacy protection in China’s present situation and the existing problems. Through summarizing and analyzing the relevant legal systems of our country, our country legislation is not clearly put forward the concept of "financial consumer privacy", and not the specific protection by subject, object, scope of protection, on the responsibility of the consumer right of privacy infringement subject not clear, responsibility content under uncertainty, etc.; Relevant legislative level is low, the lack of systematic and authoritative; Secondly in the relevant regulations, the provisions of the dispute settlement mechanism is not perfect, the third sector also did not give full play to the role, which makes the financial consumers in case of any dispute related is very difficult to timely and effective relief.The fourth part expounds the legal countermeasures of perfecting financial consumer privacy protection. First of all, should write a special laws and regulations, specify the content and scope of the financial consumer privacy, clear the responsibility of the infringement of consumer financial privacy; Secondly, we should constantly perfect the relevant regulations, according to the actual situation in our country, set up to settle the dispute related organs; Again, from the financial complaint, accusing the and litigation to solve two aspects such as the financial intermediation to perfect relevant dispute resolution mechanism; Finally, strengthen financial institutions within the industry association and internal self-discipline supervision, perfect the internal financial institutions operating specification, give full play to the role of industry associations.