法学院知识库

随着金融大数据以及与之相关的云计算、区块链等新技术的发展，海量信息的收集、挖掘以及分析利用行为侵犯了个人信息主体的权益，给个人信息监管带来极大的挑战。在这种情况下，如何完善个人信息监管相关法律问题，关系到每个信息主体的权益。目前，我国金融大数据应用中个人信息监管问题的研究尚停留在传统监管方式之上，较为松散、落后。与此同时，金融大数据技术的多样性和不断升级导致了个人信息侵权范围不断扩大，引发了较多监管问题。其一，金融大数据涉及领域广泛，监管权力分散导致个人信息监管主体不统一。其二，金融大数据应用中个人信息新的时代特征导致监管方式的滞后性。传统个人信息的监管方式已经不能适应金融大数据的发展。其三，金融大数据应用中人信息保护监管标准、监管措施不完善，监管执法缺乏主动性与独立性，无法对信息主体提供全方位的保护。

本文以金融大数据应用中个人信息保护的基础理论为支撑，围绕以上问题展开，通过规范分析、案例研究、比较分析的方法，对我国金融大数据应用中个人信息监管的现状与问题进行了分析。在此基础上比较了欧盟、美国、德国等国家的个人信息监管机制，总结出其成熟的经验。总而言之，完善金融大数据应用中的个人信息监管问题，首先，应建立统一的个人信息监管部门，明确个人信息监管部门的权力，创新技术监管的方式升级监管能力；其次，推动我国金融大数据应用中个人信息的监管标准化建设；最后，应完善事前、事中以及事后的监管措施。综上所述，希望对完善金融大数据应用中个人信息监管问题有所裨益。

With the development of financial big data and related cloud computing, blockchain and other new technologies, the collection, mining, analysis and utilization of massive information infringes the rights and interests of the subject of personal information, which brings great challenges to the protection of personal information. How to perfect the legal issues related to personal information supervision is related to the rights and interests of each information subject.

At present, the research on the supervision of personal information in the application of financial big data in China is still in the initial stage. The existing theoretical research on the supervision of personal information is scattered and not unified. The new era characteristics of financial big data applications have led to the continuous expansion of the scope of personal information infringement, causing many regulatory problems.Financial big data covers a wide range of fields, and the decentralization of supervisory power leads to the disunity of supervisory subjects of personal information. The new era characteristics of personal information in the application of financial big data lead to the lag of regulatory methods. Traditional supervision of personal information has been unable to adapt to the development of financial big data. And the regulatory standards and measures for information protection in financial big data applications are not perfect, and the regulatory law enforcement lacks initiative and independence, which makes it impossible to provide comprehensive protection for information subjects.

Based on the theoretical basis of personal information protection in the application of financial big data, this paper focuses on the above issues and analyz current situation and problems of personal information regulation in the application of financial big data in China through normative analysis, case study and comparative analysis. On this basis, the author compares personal information supervision mechanisms of the European Union, the United States, Germany and other countries, and summarizes their mature experience. To improve the supervision of personal information in the application of financial big data, first step is establishing a unified personal information supervision department, clarify power of personal information supervision department, and innovate the way of technical supervision to upgrade the supervision ability. Promote the construction of supervision and standardization of personal information in the application of financial big data in China; We should improve the supervision measures, during and after the event. To sum up, it is hoped that it will be helpful to improve the supervision of personal information in the application of financial big data.