摘要
数字经济背景下,个人金融数据共享已成为提升金融市场效率与监管效能的重要路径。基于平衡多元主体利益的现实需求和个人金融数据自决的理论基础,个人金融数据共享兼具可行性及必要性。然而,当前实践仍面临诸多困境,主要表现在共享标准模糊、信息披露规则缺失及监管机制不健全等方面。基于此,文章提出,应明确个人金融数据共享的边界,构建细致的信息披露规则,建立健全个人金融数据共享的全流程监管机制,为平衡金融数据主体的权益保护与金融数据共享价值的提升保驾护航。
In the context of digital economy,personal financial data sharing has become a crucial path to boost the efficiency and regulatory effectiveness of financial markets.Based on the practical needs of balancing the interests of multiple subjects and the theoretical basis of personal financial data self-determination,personal financial data sharing is both feasible and necessary.However,there are still multiple challenges,mainly manifested in ambiguous sharing standards,lack of information disclosure rules and imperfect regulatory mechanisms.In view of this,the article proposes that the boundaries of personal financial data sharing should be clarified,detailed information disclosure rules should be stipulated,and a whole-process regulatory mechanism should be established and further improved to balance the protection of the rights and interests of financial data subjects and the enhancement of the value of financial data sharing.
作者
张月
Zhang Yue(Taiyuan University,Taiyuan 030032)
出处
《中阿科技论坛(中英文)》
2025年第10期163-167,共5页
China-Arab States Science and Technology Forum
基金
2024年度山西省高等学校科技创新计划项目“数字经济背景下个人金融数据共享的法理逻辑、利益冲突与调和路径研究”(2024W191)
2024年山西省高等学校教学改革创新项目“基于‘劳动—思政—法治’三位一体育人的劳动争议处理实训教学改革与实践”(J20241490)。
关键词
个人金融数据
数据可携权
知情同意
金融隐私
共享监管
监管沙盒
Personal financial data
Right to data portability
Informed consent
Financial privacy
Sharing regulation
Regulatory sandbox
