摘要
数据的价值主要体现在共享基础上的融合与挖掘,开放银行的本质是数据共享。在信息化时代,破除“数据孤岛”是开放银行数据共享的理论基础。目前,我国数据法律体系日趋完善,但在开放银行实践中仍存在数据泄露风险、数据共享授权风险、与第三方机构共享数据的关联性风险以及监管缺失风险等诸多挑战。为此,应明确界定个人金融数据的法律属性、开放银行的数据共享义务与责任,以及建构数据共享的事前事中事后全过程多元规制机制。
The value of data is mainly reflected in the fusion and mining on the basis of sharing.The essence of open banking is data sharing.In the information age,breaking the“data island”is the theoretical basis for open banking data sharing.At present,China’s data legal system is increasingly perfect;however,there are still many challenges in the practice of open banking,such as the risk of data leakage,the risk of data sharing authorization,the risk of the relevance of data sharing with third-party institutions,and the risk of absence of supervision.Therefore,we should clearly define the legal attributes of individual financial data,the obligations and responsibilities of open banking data sharing,and construct a multi-regulatory mechanism for data sharing in the whole process.
作者
宣頔
房燕
Xuan Di;Fang Yan(Shiliang School of Law,Changzhou University,Changzhou 213159,Jiangsu,China)
出处
《征信》
北大核心
2022年第7期39-44,共6页
Credit Reference
基金
国家社会科学基金青年项目(17CFX032)
中国博士后科学基金资助项目(2020M681272)。
