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大数据时代下消费者金融信息的刑法保护

Criminal Law Protection of Consumer Financial Information in the Age of Big Data

Progress in Social Sciences / 2024,6(3): 684-692 / 2024-06-18 326 370

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• Authors: 田靖溪      汪雅琦     
• Information:

  上海政法学院，上海

• Keywords: Big data; Financial consumers; Financial information; Criminal law and regulation 金融消费者；金融信息；大数据；刑法规制
• Abstract: In recent years, with the advent of the big data era and the algorithmic society, the commercialuse of personal data has become more and more obvious, leading to frequent personal data leaks,especially in the financial industry, which has a high economic value. In the context of big data, financialprivacy has gradually evolved into financial information. Unlike other information, consumer financialinformation also has diversity and complexity, sensitivity and value, and privacy and publicity, so itcannot be equated with other information in terms of protection mechanisms. Although China hasestablished a civil and administrative legal regulation system for consumer financial information, civil andadministrative protection is far less vigorous than criminal protection. At the same time, the crimes in thecurrent criminal law can only indirectly protect consumer financial information, and have not formeda direct deterrent effect. In this regard, the criminal law should be extended to include the crime of“infringing on consumer financial information” in order to better regulate the infringement of consumerfinancial information in practice. 近年来，随着大数据时代和算法社会的到来，个人数据的商业用途也变得越来越明显，导致个人数据泄露事件频繁发生，尤其是在经济价值极高的金融行业之中。在大数据背景下，金融隐私逐渐演变为金融信息。与其他信息不同的是，消费者金融信息还具有多元性与复杂性、敏感性与价值性、私密性与公共性，因此，在保护机制方面不能与其他信息等同。尽管我国对消费者金融信息已经建立起了民事、行政法律规制体系，但民事、行政保护远不及刑事保护的打击力度。同时，现行刑法中的罪名仅能间接对消费者金融信息进行保护，未形成直接的威慑力。对此，刑法触须应当延伸，可增加“侵犯消费者金融信息罪”以更好地规制实践中侵犯消费者金融信息的行为。
• DOI: https://doi.org/10.35534/pss.0603060
• Cite: 田靖溪，汪雅琦．大数据时代下消费者金融信息的刑法保护［J］．社会科学进展，2024，6（3）：684-692．