摘要
金融数据共享是打破数据孤岛、实现普惠金融的核心要求,是促进金融高质量发展的重要驱动力。我国金融数据共享模式以风险防范制度为基础,通过国有银行积极参与,引导行业快速发展。但是,我国金融数据共享规则体系存在共享主体义务边界不清、金融数据共享权益归属不明,以及对市场主体规制能力重视不足等问题。对此,需在深度剖析我国金融市场环境及规制逻辑特殊性的基础上,合理借鉴域外先进金融数据共享制度经验进行优化。应从共享主体义务多边化、数据共享权益契约化以及治理权责社会化等方面进行突破,以实现更宽维度、更加灵活和更为高效的金融数据共享。
Financial data sharing represents a core requirement for breaking down data silos and achieving inclusive finance,serving as a crucial driving force for promoting high-quality develop-ment in the financial sector.China’s financial data sharing model is grounded in a risk prevention system and facilitated by the active participation of state-owned banks,which guide the rapid de-velopment of the industry.However,the existing regulatory system for financial data sharing in China faces challenges such as unclear boundaries regarding the obligations of sharing entities,ambiguous attribution of rights and interests in financial data sharing and insufficient emphasis on the regulatory capacity over market participants.To address these issues,it is essential to optimize the system by drawing on the advanced experiences of financial data sharing regimes abroad,while deeply analyzing the unique characteristics of China’s financial market environment and regulatory logic.Breakthroughs should be made in areas such as the multilateralization of sharing entities’obligations,the contractualization of rights and interests in data sharing and the social-ization of governance rights and responsibilities so as to achieve financial data sharing that is broader in scope,more flexible and more efficient.
作者
杨松
汪宓
Yang Song;Wang Mi
出处
《法治社会》
2025年第4期44-56,共13页
Law-Based Society
关键词
金融数据共享
开放银行
金融消费者
数据垄断
金融普惠
Financial Data Sharing
Open Banking
Financial Consumers
Data Monopoly
Financial Inclusion
