摘要
伴随我国金融业的高速发展,消费者在金融交易关系中的个人隐私权受到威胁,当私法救济无法提供有效保障时,公权干预体现为国家相关公权力部门通过立法和监管提供政府救济。本文认为,应借鉴欧美法治国家的经验,立足于我国的实际情况,设立专门的金融消费者保护机构承担金融消费者保护职责,制定金融隐私权保护法律规范,同时可通过行政法规的形式制定《个人信息保护条例》,以法定程序制约公权干预。
With the rapid development of China＇s financial industry,the individual＇s financial privacy has been threatened in the re- lationship of financial transactions.However sometimes it is difficult to use private law to provide relief for damage to individual＇s fi- nancial privacy,thus the protection from government regulation is necessary.With reference to the experience of EU and the US, while based on the reality of China,it is suggested that a special financial consumer protection agency should be set up.Specific regulations on the protection of individual＇s financial privacy should be made by the agency,and the Personal Information Protection Regulations should be made by the central government.The legal procedures should be strictly followed in the process of govern- ment＇s regulation.
出处
《行政与法》
2012年第12期87-90,共4页
Administration and Law
基金
上海市重点学科建设项目资助
项目编号:B102
