Research On The Legal System Of Deposit In Real Name

With the rapid development of Chinese science and technology,the degree of networking and virtualization of Chinese financial industry is becoming increasingly high,which is increasingly closely related to personal property security and information security.For the broad masses of the people,Banks,as the main managers of their property,have important responsibilities and obligations.With the outbreak of the world financial crisis in 2008,it has aroused a trend of protecting the rights and interests of financial consumers worldwide.Western countries,as economically developed countries,have accelerated the pace of legislation and supervision mechanism in order to better safeguard citizens' property rights and interests.At the same time,on the basis of the establishment of the universal principle of financial consumer protection,a series of important guiding principles and regulatory theories related to it have been greatly developed,such as "advanced principles of financial consumer protection","advanced principles of national strategy for financial education","double-peak" regulation and so on.Based on this background,in order to narrow the gap between China and developed countries,the pace of legislation and regulatory construction related to the protection of financial consumer rights and interests in China is gradually accelerating.Although some achievements have been made in the legal construction of financial consumption protection in China,from the perspective of theoretical research,the protection of consumer rights and interests is still a relatively new topic,and financial consumers are still a "passive element" in the business system.The implementation of the real-name system of savings deposit is of far-reaching significance to the standardized development of Chinese market.The banking business under the real-name deposit system,the confidentiality of savings deposits and the laws related to property ownership under the real-name deposit system need to be further improved.Since Chinese current legislation on bank secrecy obligations is relatively fragmented,we must actively carry out systematic legislative work and formulate specialized bank secrecy laws and regulations.By systematically stipulating the financial privacy rights of customers in the process of legislation,the status of financial privacy rights in Chinese laws is further determined.On the basis of clarifying the scope of protection of financial privacy rights,the possible exceptions may be clarified.The protection of the right to privacy of financial information in the banking industry is not only related to the personal interests of financial consumers,but also affects the stable development of the financial market and the orderly development of the social economy.However,it is undeniable that the consumer privacy rights of Chinese banking financial institutions have not been protected by relevant laws.The existing laws related to consumer privacy protection are also scattered,although they have strong principles.Not very strong.Although financial privacy has been used in China,it has not yet formed a complete legal concept.In this regard,Chinese legislation still needs to do a lot of work,gradually promote the systemic legislation of financial privacy,learn from the legislative experience and practice of relevant countries,and establish a set of systematic and multilevel personal information protection laws and regulations in line with Chinese national conditions.