The Research Of Legal Responsibility About Bank Reveals Users’ Individual Information

Users’ individual information in bank belong to a kind of individual financial information, though they are not same completely for individual financial information, in essence, usually accompanied by the attribute of right such as the property right and personality right. As the time of big is coming, our national economic and financial industries are developing, which results in the extensive connection between people’s lives and banks. Therefore, individual financial information has been given more and more attention. Living in such an age of information, the value of individual financial information was magnified in several geometrical times and even be regarded as a means of making profit by some criminals. As for the right attribute of individual financial information, there are different points of view. Nevertheless, there’s little doubt that it is a kind of right attribute with personality right and property right. Once the bank users’ individual financial information was revealed by bank, the users would face considerable difficulties even have the risk of infringement of individual rights as well as property rights and interests. However, at present, the case of banks infringing users’ individual information happens more often than not, such as banks illegally sell and unauthorized disclose users’ individual information etc.. Therefore, it is necessary to discusses the nature and scope of individual financial information and research which legal liability banks should take for the behavior of revealing users’ individual information. Since the bank users’ individual information is worthy of the protection of private law system for its double right attribute. As a result, our country is expected to establish private law system about the protection of bank users’ individual information.