Research On Legal Protection Of Personal Financial Information Of Financial Consumers

In recent years,the prosperity of the financial industry has gradually made people forget the pain caused by the subprime mortgage crisis to China's economy.The financial industry booming at the same time,but behind the hidden mystery.Since 2016,China's cases of infringement of citizens' personal information have shown a high incidence.In 2016 alone,the number of leaked citizens' personal information was as high as 50 billion.It can be seen that the protection of personal financial information of financial consumers in China faces great challenges.As far as the current situation is concerned,China's financial consumer personal financial information legal protection legislation level and relief level are relatively lagging behind,and the level of development of the existing financial industry is seriously inconsistent,not only for the definition of "financial consumers",even the upper level of consumption The concept of "the person" has not been legally confirmed.In view of this,this paper hopes to take financial consumer's personal financial information legal protection as the entry point,analyzes the current situation of financial consumer personal financial information legal protection,and draws on the extraterritorial system,and strives to explore financial consumer personal finance suitable for China's national conditions.The new path of information law protection has played a role in the protection of financial consumer personal financial information in China.The main ideas of this paper are as follows:The first part: This part makes a reasonable definition of the concept of financial consumers,and classifies and distinguishes the concept of personal financial information,from the perspective of the weak position of financial consumers in financial market transactions and the vulnerability of personal financial information.Emphasize that the legal protection of financial consumers' personal financial information cannot rely solely on financial supervision,but also needs to strengthen each other by strengthening relief channels and regulating market order.The second part: This part analyzes the status quo of the legal protection of personal financial information of financial consumers in China.Based on the typical cases in this field,it points out three major problems in the legal protection of financial consumer personal financial information.And carry out system analysis to pave the way for the fourth part of the optimization path design.The third part: This part mainly analyzes the reform measures of the financial protection of financial consumers' personal financial information in the United States and the United Kingdom after the subprime mortgage crisis,and briefly analyzes the different protection modes adopted by the two countries.The vision provides a theoretical and practical basis.The fourth part: This part mainly proposes the optimization path for the legal protection of personal financial information of financial consumers in China.Undertake the abovementioned macro-level theoretical practice understanding,make a specific analysis of China's specific conditions,and carry out institutional ideas from the aspects of legislative specialization,regulatory refinement,and relief diversification,and put forward their own opinions.