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个人金融账户信息的法律界定

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《个人信息保护法》将金融账户信息纳入敏感个人信息的范围,但未作出明确的界定。界定标准的不明确将导致权利主体权益易损、义务主体责任不明、司法裁判依据不清。考察域外立法例,同时结合我国有关立法现状和实践,宜采取"定义+列举+排除"的界定模式,以"信息主体""信息性质"和"信息处理"为定义的考量因素,从立法、实践的综合角度进行列举,并排除通过间接识别才能确认的金融账户信息。基于此,我国出台"金融账户信息"的司法解释可侧重四个方面,以实现个人信息的保护和社会信息利用的动态平衡。
Legal Definition of Personal Financial Account Information in China
The Personal Information Protection Law includes financial account information in the scope of sensitive personal information but does not provide a clear definition.The lack of a clear definition for the standard can lead to potential vulnerabilities in the rights of data subjects,unclear responsibilities for data controllers,and ambiguity in judicial decisions.By examining for-eign legislation examples and considering the current legislative situation and practices in China,it is advisable to adopt a definition model that combines"definition and enumeration and exclu-sion."This model should consider factors such as the"data subject,""nature of the informa-tion,"and"data processing"in its definition,listing financial account information comprehensive-ly from both legislative and practical perspectives while excluding financial account information that can only be confirmed through indirect identification.Based on this,China can issue a judi-cial interpretation of"financial account information"focusing on four aspects to attain a dynamic equilibrium between the protection of personal information and the utilization of societal informa-tion.

Personal Information Protection Lawfinancial accountpersonal financial infor-mationsensitive personal information

尹华容、伍洋宇

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湘潭大学法学院,湖南湘潭 411105

个人信息保护法 金融账户 个人金融信息 敏感个人信息

国家社会科学基金重点项目

21ZD&204

2024

财经理论与实践
湖南大学

财经理论与实践

CSTPCDCSSCICHSSCD北大核心
影响因子:1.112
ISSN:1003-7217
年,卷(期):2024.45(3)