摘要
个人金融数据共享对提升金融服务效率、实现协同监管和推动金融创新生态建设具有重要价值,但面临多重法律障碍。针对个人金融数据共享存在的产权界定争议、多元主体利益冲突和监管过度问题,提出基于数据来源者视角的分层治理框架。对个人私密信息主张基于动态隐私期待进行场景化治理,以平衡隐私保护与利用;对个人非私密信息提出优化告知同意规则,以缓解保护绝对化并促进流通;对非个人信息建议确立数据访问权并实施强制共享,以破除垄断壁垒。规制对策包括明确私密信息识别标准、调适非私密信息告知同意规则、构建非个人信息数据访问权制度,在分层基础上细化规则设计并适应技术与场景发展。
Sharing personal financial data holds significant value for enhancing financial service efficiency,facilitating collaborative supervision,and promoting the development of a financial innovation ecosystem;however,it faces multiple legal barriers.Addressing controversies over data property rights,conflicts of interest among multiple stakeholders,and excessive regulatory constraints in the sharing of personal financial data,this study proposes a hierarchical governance framework from the perspective of data providers.For personal sensitive information,it advocates scenario-based governance centered on dynamic privacy expectations to balance privacy protection and utilization.For personal non-sensitive information,it proposes optimizing informed consent rules to moderate absolute protection requirements and facilitate circulation.For non-personal information,it recommends establishing data access rights and implementing mandatory sharing to dismantle monopolistic barriers.Key regulatory measures involve defining sensitive data identification standards,adapting non-sensitive data consent rules,constructing a non-personal data access rights system,and refining regulatory design based on this hierarchical framework while adapting to technological and contextual developments.
作者
姚舜禹
闫夏秋
Yao Shunyu;Yan Xiaqiu(School of Law,Hohai University,Nanjing 211100,China;School of Law and Public Administration,Nanjing University of Information Science and Technology,Nanjing 210044,China)
出处
《大数据》
2026年第1期96-110,共15页
Big Data Research
基金
教育部人文与社会科学研究基金项目(No.21YJC820044)
气象软科学面上项目(No.2025RKXMS04)。
关键词
个人金融数据
数据共享
分层规制
数据访问权
personal financial data
data sharing
hierarchical regulation
data access rights
