The Research On The Legal Protection Of Consumer Financial Privacy

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; Inadequate relief way, the unreasonable regulations; Regulation subject vacancy, incomplete system, etc., therefore,this article will combine the domestic and foreign legislative practice and the present situation in our country, improving Suggestions to solve these problems, including the overall plan of protection system as well as the subject,object and content of financial consumer right of privacy to make clearly defined, perfect the relief program to make specific recommendations.