Study Of Synergistic Protection Mechanisms For Personal Financial Information In Large Cities

In recent years,My country’s Internet industry and telecommunications industry have developed rapidly,and the degree of informatization of commercial banks continues to increase.The trend of financial technology has become stronger and stronger.However,accompanied by the vigorous progress of economy and information technology,telecommunications fraud,A new type of fraud,has sprung up like mushrooms in China.In addition,telecommunication fraud has become more and more serious,As a result,the rights of the common people are infringed,the normal operation of society has been disrupted,social security and stability have also been affected,and the healthy development of my country’s economy and the people’s good life have been affected.Based on government regulation,banks autonomy,industry organizations,social organizations and the main body of cooperative governance perspective,Put personal financial data protection at the core,based on the real cases of personal financial information analysis and research,in combination with related literature,analysis of the current government,bank,community in personal financial information security protection of weak links,The article believes that there are still five important issues in the protection of personal financial data at present.First,my country’s current legal system lacks corresponding standards in the protection of personal financial information,laws and regulations are not integrated,and lacks a reasonable compensation system;Second,the current personal financial information protection lack of cooperation mechanism;Third,the current personal financial information protection government supervisory body responsibility is not clear;Fourth,the bank’s own internal control mechanism is not complete,from the perspective of personal financial data protection,it is still relatively weak.The leakage of internal employees and third-party outsourcing companies often leak personal financial information.Fifth,citizens themselves financial information protection consciousness is weak.Based on this,how to protect personal financial information in big cities and play a synergistic role can build a "LPTR" collaborative protection mechanism framework.The first thing to do is to further establish and improve the laws and regulations in the field of personal financial information protection;Second,establish a multi-subject collaborative protection mechanism and a publicity and information sharing mechanism;Third,establish a personal financial information technology guarantee mechanism;Finally,improve the relief mechanism for personal financial information infringement.