A Study On Personal Information Protection System Of Financial Consumer

With the rapid development of financial market and the unceasing expanding of business area, many related problems are highlighted gradually. One of them is the protecting problems of financial consumer's personal information. Presently the development of financial market in our country is not yet mature and it does not take it seriously enough to the protection of financial consumer's personal information. In addition, the system is not sound and the protecting consciousness of consumers' personal information is weak. So the personal information protection of financial consumers is confronted with dire challenges. Furthermore, the safety of financial consumers' personal information is related to the stability of one country's financial system and information system, and the voluntary release will lead to the confusion of financial system and undermine the stability and security of financial system. Given this, taking A Study on Personal Information Protection System of Financial Consumer as the title, this thesis will propose some suggestions to improve the personal information protecting problems of financial consumers in our country. The thesis holds that personal information protecting problems of financial consumers in our country are shown in the following three aspects. The first problem exists in the legislative level. We are lack of a law to protect financial consumers' personal information. The second one exists in the aspect of information security management, not only the internal control mechanism of financial institutions is not perfect, but also the financial regulatory authorities exist many problems. The three one exists in the information sharing. There are conflicts between information protection and information sharing demanded by the mixed management in financial institutions. Finally, in the aspect of right relief, the relief channel is not free when the financial consumer's personal information is violated.In addition to the introduction and conclusion, this dissertation is divided into the following four parts:The first part put forward the problems exists in the protection of financial consumers' personal information in our country. According to the actual situation in the protection of financial consumers' personal information, the thesis expounds the problems from the legislation, scope of rights and information management aspects and so on.The second part analyzes the particularity of the personal information protection of financial consumers. This analysis aims to explain the similarity and distinction of the personal information protection between financial consumers and common consumers, and discuss whether it is necessary or not to construct a particular system.The third part studies the personal information protection system of foreign financial consumers and its enlightenment. Through the experience and achievement investigation of the European Union, the United States and Japan in the personal information protection, the thesis concludes some advantages which can be used in our country.The fourth part shows the path to protect financial consumers' personal information in China. The thesis proposes the path based on the particularity of financial consumer's personal information protection, problems existing in practice, and the investigation on the overseas experience.