人人专区人人免费香蕉

加强网络环境下的个人金融信息保护

    anquanziyoushirenleiyushengjulaide,bansuizhexinxishehui、hulianwangjinrongdedaolai,shiyuanbenkoukouhuoshuxincainengxiangchuandexinxi、mianduimiancainengyidudefangrongkeyizaidanzhiyihuijiankuaisuchuanbo。hulianwangshidai,xinxikejixunmengfazhan,wangluodeshuzihuatezhengshideshujuchengweigerenjinrongxinxidezhongyaozaiti,gerenxinxidejiazhituxian,qianquanfengxianyesuizhidazeng。

  个人金融信息保护的现状及问题

  gerenjinrongxinxigaikuoweizaijinrongjiaoyizhongbeijinrongjigousuohuodede,nenggoushibietedinggerenhuofanyingtedinggerenjiaoyinengli、xiguan、zhuangkuanghuoqushidexinxi,baokuogerendeshenfenxinxi、jiaoyixinxi、xinyongxinxiheyanshengxinxi。《zhonghuarenmingongheguominfazongze》di111tiaoguiding,“ziranrendegerenxinxishoufalvbaohu。renhezuzhihegerenxuyaohuoqutarengerenxinxide,yingdangyifaqudebingquebaoxinxianquan,budefeifashouji、shiyong、jiagong、chuanshutarengerenxinxi,budefeifamaimai、tigonghuozhegongkaitarengerenxinxi”。cifajiaqianglegerenxinxibaohulidu,tebiemingquelegerenxinxibaohudezhutizeren。zheibiaomingwoguokaishizhongshigerenxinxidebaohugongzuo,dangerenjinrongxinxidebaohurengranchuyutansuojieduan,cunzaijiaoduowenti。

人人专区人人免费香蕉  (yi)lifafensan,queshaogerenxinxibaohudedanxingfagui。woguozaigerenxinxibaohufangmiansuiyouyixiefalvtiaowen,dangegeguidingfensanyugeleifalvfaguizhizhong,quefatongyide《gerenxinxibaohufa》。lifadefensan、pangzadaozhigerenxinxibaohulinian、yuanze、gefangquanzedengjibenwentiquefayizhide、biaozhunde、tongyideyueding,jiyizaochenggefalvfaguizhijiandemaodunhechongtu,chuxianfalvloudonghelifakongbai。liru,“gerenxinxi”degainianjiedingshigoujianzhenggegerenxinxibaohuzhidudejibenyaosu,zhijiehuadinglegerenxinxibaohudefanwei。danyizhidao《wangluoanquanfa》chutai,woguocaishoucizaifalvcengmianmingquele“gerenxinxi”dedingyi。jinguangerenxinxide“keshibiexing”biaozhunyichengweipubiangongshi,danjiezhuwangluogongju,keshibiedegerenxinxifanweiyezaizhujiankuoda,gerenxinxihefeigerenxinxidejiexianbiandeyujiamohu,xuduozaichuantongxinxichulifangshixiananyinarugerenxinxifanchoudesuipianhuashuju,zaihulianwangdegaizaohoujuyouleshibiedegongneng,yinergerenxinxiyingdangshiyigedongtaidegainian,zaiwoguoxianyoudejiedingxiarengranhuicunzaifenqi。

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人人专区人人免费香蕉  (san)guanlibushan,gerenjinrongxinxibaohunanzuowei。jinrongjiaoyidegegejieduandouhuishejidaogerenjinrongxinxi,falvzhiduhejianguanjigoudeyueshu,zhinengduijinrongjigouchanshengwaibuzuoyong,jinrongjigoudeneibuguanliheanquankongzhicaishigerenjinrongxinxibaohudeyuantou。buduanfashengdejinrongjigouxieluxinxishijian,baoluleqiguanlibushandeloudong。shouxian,quefatongyimingquedekehuxinxiguanlibumen。ruyinxingyewuzhong。gerenjinrongxinxifensanzaigegeyewuhuanjie,birucunkuan、daikuan、zhifujiesuan、banlilicaichanpin、kaitongyinxingkahedianziyinxingdeng,zheixieyewufenbieyoubutongdeyunyingbumenguanli,gerenxinxishiyongshenpiyoubumenfentoukaizhan。zheijirongyizaochenggeyewubumenzaixinxichuliyubaohufangmianbiaozhunbuyi,chuxianwentihuxiangtuiweizerendeqingkuang;qici,jinrongjigouxinxineikongquefaliuchengzhiyue。ruxinyongkayewu,congbanlidaocuishouzhongjiangegehuanjieyoubutongdebumenguanli,shenzhiyouxieyewushiwaibaojidisanfangjinxingchuli,erzaiyewubanlidemeigehuanjiedoubukebimiandiyaoshiyongdaogerenjinrongxinxi。yewuliuchengdezhongduan,geliuchengquefayouxiaodezhiyue,gongzuorenyuanmeiyouzugoudequanxiankongzhi,zheixiedouzengjialexinxixieludekenengxing,erqiejiadalezerenchachudenandu。

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  个人金融信息保护的对策建议

  (yi)jianlijianquanfalvfagui。yifangmian,wanshan“gerenjinrongxinxi”dejieding。“gerenjinrongxinxi”dejiedingshigerenxinxibaohufazhongdehexingainian。kaolvdaozaifuzadewangluohuanjingxia,duisuoyougerenxinxicaiquyishitongrendebaohubingbushiheliyouxiaodezuofa,eryingzhenduixinxidebutongxingzhi,duibaohubiaozhunzuochuqufen;lingyifangmian,xuanzeyouzhuyuwoguofazhandegerenjinrongxinxibaohumoshi。muqian,guojishangtongyongdemoshiyouyimeiguoweidaibiaodefenyebaohumoshiheoumengguojiadetongyibaohumoshi。youyufenyebaohumoshicaozuobijiaofuza,zaibaohujinrongkehufangmianyinkehubutongyecunzaichayi,ertongyibaohumoshiduisuoyouxingyecaiqutongyibiaozhun,bianyucaozuoheguanli,bizhegengjiaqingxiangyuxuanzeouzhouguojiadetongyibaohumoshi。danzhongguoyuoumeigeguojutiguoqingbutong,yincibunengmangmuzhaobanwaiguodejingyan,duiyuzheigemoshiyaozuoxiangyingdebiantong。jutieryan,jiushikeyishouxianxuanzeyinxingyeweitupokoujinxingshidian,zhenduigerenjinrongxinxibaohuzhidingyizhengtaoxiangxidefalvfagui,ranhouzaijiangzheitaozhidutuixiangqitaxingye,zuihouxingchengyitaoquanshehuitongyide、youxudegerenjinrongxinxibaohumoshi。

人人专区人人免费香蕉  (er)wanshanjinrongjianguanjigouzhidu。xianxingde《yinxingyejianduguanlifa》bingmeiyouguidinggerenjinrongxinxibaohudejianguanmubiao,daozhishijianzhongjinrongjianguanjigougengduoguanzhufengxianguankong。danshishishang,ruguojinrongxiaofeizhequanyidebudaoyouxiaobaozhang,nanyishixian“weihugongzhongduiyinxingyedexinxin”zheiyimubiao。tongguofalvmingqueshouquanjinrongxiaofeizhebaohujigoujiqifalvzhize,yishixianduijinrongxiaofeizhedelianghaobaohu,baozhanggaibumenzhizedeyouxiaoshishi,keyizai《yinxingyejianduguanlifa》shezhiyinxingyejianguanjigoudejinrongxiaofeizhebaohuzhize,bingyiciweishidian,tuidongzhenggejinrongjianguantizhidewanbei。

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人人专区人人免费香蕉  (si)zengqiangjinrongxiaofeizhedeziwobaohuyishi。jinrongxiaofeizhezaigerenjinrongxinxibaohumoshidegoujianzhongqidaojichuzuoyong,bixutigaoqigerenbaohuyishi。jinrongxiaofeizheduijinrongxiaofeizhishideshuzhichengdu、duijinrongjiaoyidelijiechengduyijiduigerenjinrongxinxideziwobaohuchengducanchabuqi,yinerxuyaojianguanjiguan、jinrongjigou、xuexiao、shehuimeitidengduofangzhutijieru,yibaozhanggerenjinrongxinxibaohugongzuodeshunlikaizhan,jiangjinrongjiaoyuzhishipujidaojiceng,duijinrongxiaofeizhequanmian、xitongdijinxingxuanchuanhejiaoyu。tongshi,haiyingtigaojinrongxiaofeizhedequanliyishi,tigaoduigerenjinrongxinxidekongzhiyubaohunengli,tixingjinrongxiaofeizhejinxingjinrongjiaoyiguochengzhongdefalvfengxian,youqigoumaijinrongchanpinshi,zhuyiweihugerenjinrongxinxi,gaozhiqijinronghuodongdequanliheyiwu,yidanxinxixielu,huiyongfalvweihuzijidexiangguanquanli。

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2020年02月04日

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