摘要
开放银行通过数据共享重塑金融生态,遵循的理念是“个人金融信息自决”。我国开放银行数据共享“授权—转移—救济”链条中,存在三类失衡:一是知情同意阶段信息过载和强制授权,人格利益“自决”变“他决”;二是数据可携带权虚置,财产价值自决无门;三是大规模微型侵权救济缺位,“个人金融信息自决”救济路径不畅。为实现开放银行价值目标,在规制模式上,应以金融消费者为中心构建由法律规范、技术标准和自律规则组成的规制体系;前置授权阶段,采用分层动态的知情同意形式,保障用户真实意思表示;数据转移过程中,以开放银行为突破口明确数据可携带权的行权标准与传输规范,同时探索收益共享模式以提升银行数据共享主动性;救济渠道上,完善多元开放银行数据共享纠纷解决渠道,以应对大规模微型侵权的隐患。通过推动开放银行的重心从“银行”向“金融消费者”转型,有助于普惠金融目标的实现。
Open banking reshapes the financial ecosystem through data sharing based on the core philosophy of“personal financial information self-determination”.However,within the“authorization—transfer—remedy”chain of data sharing in China,three critical imbalances persist:first,information overload and mandatory consent in the authorization stage cause personality interests to devolve into“other-determination”;second,the right to data portability remains nominal during transfer,hindering the self-determination of property value;and third,the absence of effective remedies for large-scale micro-torts obstructs the path for rights protection.To address these issues and realize the value objectives of open banking,a consumer-centric regulatory system integrating legal norms,technical standards,and self-regulatory rules must be constructed.Specifically,a layered and dynamic informed consent model should be adopted during the pre-authorization stage to ensure authentic user intent,while the right to data portability should be standardized alongside the exploration of revenue-sharing models to incentivize bank participation.Furthermore,diversified dispute resolution channels must be improved to effectively address the risks of micro-torts.By shifting the focus of open banking from a“bank-centric”to a“financial consumer-centric”model,the realization of inclusive finance goals can be effectively facilitated.
作者
陈广锐
Chen Guangrui(School of Law,Central University of Finance and Economics,Beijing 100081,China)
出处
《征信》
北大核心
2026年第2期72-83,共12页
Credit Reference
基金
中央财经大学“科教融汇研究生学术新星孵化计划”(2025120)。
关键词
开放银行
普惠金融
数据共享
个人金融信息自决
数据可携带权
open banking
inclusive finance
data sharing
personal financial information self-determination
right to data portability
