摘要
金融隐私权保护制度是银行与客户法律关系的核心内容之一。英美等金融发达国家以深邃的法哲学思想为基础,并以成熟的判例为支撑已将这一制度作为银行法的重要组成部分。并且,基于现实监管的需要,也针对该制度确立了一些例外性规则。系统化与成熟化为其立法的特点。相比之下,我国在此方面的规则便显得过于破碎,规则也仅停留于文本的意义,且例外条款与隐私权保护规则之间的配置亦有失衡之嫌。因此,对该制度进行反思,并提出立法建议是我国银行法律制度创新的重要内容之一。
Protection of financial privacy is an important aspect in the relationship between banks ＆ its customers. On basis of profound legal theory, and with the support of mature cases, developed countries in finance such as UK and America have taken it as the indispensable part in their banking law system. Meanwhile, in step with the practical need some exceptions have been framed. By comparison, Chinese rules in this field are too fragmentary, and only lies in their formal significance. Therefore, it is very practical to reconsider the Chinese present rules and put forward related proposals for the innovation of her banking law.
出处
《云梦学刊》
2006年第2期60-65,共6页
Journal of Yunmeng
基金
国家社会科学基金项目"银行法律制度改革与完善之研究"(04CFX008)
关键词
银行保密制度
反思
建议
banking confidential system
rethinking
suggestions
