Research On Legal Regulation Of Personal Information Sharing In Internet Finance Industry

With the rapid development of Internet technology,the Internet finance industry has followed the trend of financial innovation and has shown a booming trend.However,under the driving of commercial value,the improper handling of personal information by Internet financial operators has become a problem that cannot be ignored in practice.On May 1,2018,the National Standard of the People's Republic of China,"Information Security Technology Personal Information Security Specification" was officially implemented.It is based on the logical sequence of personal information processing links such as collection,preservation,use,sharing,transfer,and public disclosure.The behavior of the regulation provides guidelines and codes of conduct for the information controllers of all walks of life in China's current Internet environment,and provides a new perspective and ideas for our related research.Under the background of open information sharing,the personal information sharing behavior of Internet financial institutions is very frequent,which also poses a certain threat to the personal information rights of Internet financial consumers.The personal information sharing behavior of Internet finance industry has its unique research value.It needs to be regulated by improving relevant legal systems.This paper takes the sharing of personal information as the starting point,and takes the information processing behavior of Internet financial operators as the demonstration center,clarifies the basic theory of personal information sharing,sorts out the particularity of personal information sharing in Internet finance industry,and summarizes the regulation of China.The current situation and problems,drawing on the advanced experience of foreign countries,put forward suggestions for the improvement of the personal information sharing system in China's Internet finance industry.In addition to the introduction and conclusion,this article is divided into four parts:The first part is the theoretical basis of personal information sharing in the Internet finance industry.The concept of personal information sharing is defined theoretically;the comparative analysis is used to analyze the similarities and differences between personal information sharing and similar concepts;combined with the actual situation of China's current Internet financial industry,the special objects and special methods of Internet financial personal information sharing aresorted out.The second part is the status and existing problems of the legal regulation of personal information sharing in China's Internet finance industry.Starting from the three aspects of legal norms,administrative supervision and industry self-discipline,this paper analyzes the actual situation of legal text level,administrative supervision level and industry self-discipline in the face of Internet financial operators' personal information sharing behavior regulation,and presents the status and existence of China's regulation.problem.The third part is the experience of extraterritorial legal regulation and its enlightenment to China.This paper summarizes the EU model featuring legislation and the American model featuring self-regulation,and explores the legislative value orientation reflected by these two models,and combines the actual situation of China to explore the legislative value choice suitable for China.The fourth part is the proposal to improve the personal information sharing system of Internet finance.According to the status and problems summarized in the previous article,the paper puts forward specific suggestions for improvement from three aspects: establishing a more perfect legislative system,innovating financial supervision mechanism,and giving full play to the advantages of industry self-discipline.