Design Of Rules Of Customer Information Utilization In Commercial Banks

The "Eleventh five-year Plan" clearly puts forward the steady promotion of the pilot project of comprehensive operation of the financial industry.After years of exploration and development,the integration of the business management of the commercial banks in China has been developed to a certain extent.Under the trend of financial comprehensive management,the circulation of customer information among different subjects and even different industries will be inevitable.In practice,the illegal use of customer information in commercial banks occurs from time to time,and the working rules formulated by various commercial banks on the use of customer information have information protection provisions missing,privacy policies not public or obscure and lengthy.The authorization mode deprives customers of their decision-making power,and the attention to the sharing of customer information compliance needs to be improved,etc.,which fails to play a good regulatory role in the rational utilization of customer information.In view of the protection of personal information,there are no special legal norms in our country at present.The protection of personal information for citizens is only in the Criminal Law,the Law on Network Security,and the regulations on personal Information Protection for Telecommunications and Internet users.The absence of legal norms further aggravates the confusion of customer information utilization in commercial banks,as mentioned in laws,regulations and departmental regulations.In order to give full play to the value of customer information in commercial banks and improve the protection of customer information,we should make clear the guiding ideology of protection and protection of customer information and adhere to the rational principle of customer information use.The principle of customer information classification and protection,and the rules of customer information utilization based on "prior notice" and "consent after notification" are constructed.