Research On The Protection Of P2P Financial Consumers' Personal Information

In recent years,with the improvement of the domestic credit system and the flourishing development of the Internet+,P2 P network lending has provided a point-to-point financial financing method that has swept the country for several years after its birth.However,behind the increase in the number of P2 P network lending platform investors is a large number of personal information platforms.After the P2 P network lending platform broke out in the event of pan-Asian and Ezubao,the problems of the entire industry gradually became prominent,but the focus of the supervision department on P2 P network lending was the debate on the regulatory model and the prevention of credit risks,as well as consumer personal information.The protection issue is rarely mentioned.P2 P Internet lending is used as an individual-to-individual online lending method.Once consumers' personal information is threatened,their personal rights and property rights are not guaranteed,and the development of the industry is hindered,which hinders China's financial product innovation and financial system.With reforms,P2 P financial consumers will lose confidence.The existing laws and regulations of China cannot temporarily provide effective protection for financial consumers' personal information in the P2 P network lending industry.The legal system and coordination are insufficient,and there are many regulatory gaps.Therefore,how to protect the personal information of P2 P financial consumers and from which aspects to protect it has become a realistic problem that needs urgent solution.The full text is divided into four parts.The first part of the basic issues of P2 P financial consumer personal information protection.This section defines the basic concepts of P2 P financial consumer personal information,describes the development history of P2 P network lending,the concept of P2 P financial consumers,and the content and classification of P2 P financial consumer personal information.The second part is the significance and status quo of personal information protection of P2 P financial consumers in China.This part analyzes the significance of personal information protection for P2 P financial consumers in China from three aspects: the speciality of personal information,the protection of vulnerable groups in the online loan industry,and the governance of the industry.Through empirical observation of the status quo of consumer protection of personal information in the P2 P network lending industry,Explain the platform's current status of collection,preservation,and use of financial consumer personal information.The third part is about the protection of personal information of P2 P financial consumers in China.This section analyzes the issue of personal information protection of P2 P financial consumers in China from the four levels of the legislative department,the supervisory department,the lending platform,and the financial consumer.Summarizing and summarizing the laws and regulations concerning personal information protection of P2 P financial consumers,and exposing the deficiencies in the protection of personal information of P2 P financial consumers inChina from the perspective of regulatory implementation,namely,the incompleteness of relevant legal norms,inadequate industry supervision,and prevention and control technologies However,there is a lack of awareness of protection and information subjects.On this basis,from the perspective of the speciality of P2 P network lending and personal information protection,the significance of the protection of personal information of current P2 P financial consumers is demonstrated and the law is provided for protection.Part IV: Suggestions for improving the protection of personal information of P2 P financial consumers in China.This section draws on the experience of the United Kingdom and the United States in protecting the personal information protection system of P2 P financial consumers,and proposes concrete measures for the improvement of P2 P financial consumer personal information protection.According to the current situation of China's P2 P financial consumers' personal information protection in the second chapter,the paper puts forward concrete suggestions for improving the personal information protection system of P2 P financial consumers in China: first,perfect the personal information protection legislation for P2 P network loans;second,strengthen the P2 P network lending platform supervision Strength;third is to enhance the technical level;fourth is to enhance consumer protection awareness.