Research On The Legal Regulation About The Use Of Financial Consumers' Personal Information Under The Background Of Big Data

Big Data has been praised as "the Third Wave cadenza", large depth data and financial integration, we gave birth to innovative finance, releasing tremendous positive effect. However, under the background of big data, legal regulation of financial consumer use of personal information, are faced with many problems and challenges, such as large data background, personal finance consumer information analyze the results generated by the often unpredictable, resulting in the traditional "inform and consent" rule to some extent failed. In addition, under the background of big data, in the scope of the financial personal information of consumers, the regulatory body, preventive regulatory system, accountability, etc., are gradually exposed the problem to be urgently improved.Large high-speed data and financial integration, necessarily involves the use of consumers' personal financial information, and its use should be how to regulate, is nowadays a problem to be reckoned with. Apart from the introduction and conclusion, the text from the financial personal information of consumers use the legal regulation basis in reality and significance, along the status quo and problem analysis, test system outside, and made recommendations to improve the idea of expansion, divided into four parts.The first section, analysis of financial personal information of consumers use the legal regulation basis in reality and meaning. The first part on the use of consumers' personal financial information are defined, and then analyze the financial reality based personal information of consumers using legal regulation. Then, from the need to protect the legitimate rights and interests of financial consumers, and promoting the healthy development of the financial sector, help to maximize the three aspects of social benefits, to clarify the meaning of the regulation of financial consumer use of personal information.The second part analyzes the legal status of the problem using the personal information of consumers and regulation of financial faces. This part from laws, administrative regulations and the State Council document, the ministries regulations and documents, other normative documents four levels, to clarify the status of personal information of consumers using financial regulation. Thereafter, the analysis of the legal issues of personal information of consumers using financial regulation facing financial consumers are a range of personal information from is not clear, the obligations of financial institutions, not specific, integrated regulatory body missing, preventive regulatory system is imperfect, insufficient effectiveness of accountability mechanisms in five aspects, analyzes the legal issues of personal information of consumers using financial regulations face.The third part, the use of personal information of consumers in financial regulation law extraterritorial investigation. Follow the problem-oriented ideas in this section, from the scope of the financial personal information of consumers, the obligation to inform financial institutions, regulatory body Financial Consumer use of personal information, preventive regulatory system, accountability mechanisms in five areas investigated in Europe and America advanced system, and tally the Department for reference.The fourth part, put forward recommendations to improve our financial personal information of consumers using legal regulation. The effectiveness of this section according to the problem earlier analysis and extraterritorial lessons learned, from a clear financial consumer personal information range, specify the obligations of financial institutions set up a comprehensive regulatory body, improve preventive regulatory regimes to enhance accountability mechanisms five aspect of the proposed financial consumers improve our use of personal information legal regulation proposals.