Legal Protection Of Personal Information Of Internet Financial Consumers

With the coming of information age,in the Internet financial environment,financial products and network technology in developing depth fusion,rely on advanced modern information technology to produce the Internet payment,fund,lending and other Internet financial forms,it also makes it easier to pay treasure,Hua Bei,funds,everyone everyday emerging Internet financial products constantly emerging,such as loan greatly sped up the financial product innovation.However,the phenomenon of consumers’ personal information being infringed has also aroused people’s attention.At present,there is no systematic legislation on the protection of personal information of financial consumers in China,and consumers cannot directly invoke relevant laws and regulations to protect their information rights and interests when their personal information rights are violated.In addition,illegal information collection and use,non-standard information sharing,imperfect technical conditions,and unimpeded dispute resolution channels all lead to the risk of consumers’ personal letters being violated.Therefore,it is urgent to solve the problem of personal information protection of Internet financial consumers.Guided by the risks and problems existing in the protection of Internet financial consumer information in China,this paper takes foreign experience as a reference and puts forward countermeasures for the protection of Internet financial consumer information right in China.This paper is mainly composed of the introduction and the other four chapters.The first chapter is an overview of information protection theory.First of all,the thesis sorts out and defines the controversial concepts of financial consumers and personal information right attributes.Secondly,it clarifies the scope of personal information of Internet financial consumers on the basis of referring to legal norms and academic viewpoints.Finally,it discusses the necessity from the aspects of information collection risk,transaction risk,technical risk,as well as the more protection value of Internet financial consumer information.The second chapter is about the current situation and existing problems of consumer information protection in Internet finance in China.Based on China’s personal information legislation and repeated infringement cases,this paper reveals the problems of Internet financial consumer information protection,such as imperfect relevant legislation,imperfect supervision mechanism and unimpeded relief channels.The third chapter is about the protection of financial consumers’ personal information outside the territory and its enlightenment.It mainly elaborates the unique legislative mode,financial regulatory institutions,industry self-discipline,judicial relief and legislative provisions and development in Europe and the United States.On the basis of this analysis,form inspiration to our country.The fourth chapter is the countermeasures to improve the protection of personal information of Internet financial consumers in China.It is necessary to strengthen the obligations of Internet financial operators,clarify relevant concepts,and form systematic legislation on personal information protection.In view of the existing regulatory problems,it is proposed to set up a special regulatory body;Strengthen technical supervision;Improve the legal supervision system and other relevant suggestions,so as to form a sound supervision system.It is also suggested to construct multiple relief mechanisms for Internet financial consumer information protection to ensure the smooth flow of litigation relief and non-litigation relief channels.