电子商务领域下个人信息的保护研究——以网络支付为例

Research on the Protection of Personal Information in the Field of E-Commerce—Taking Online Payment as an Example

摘要: 随着电子商务成为我国经济发展的关键，网络支付作为其核心环节，在带来巨大便利的同时，也使得个人信息保护面临严峻挑战。本文以网络支付为例，系统研究了电子商务中的个人信息保护问题。文章首先对电子商务及网络支付进行了简要概述，其次梳理了以《个人信息保护法》为核心的立法保护体系与行业自律机制构成的保护现状。进而，本文从法律文本、行业治理、企业内部及监管机关四个层面，深入剖析了当前保护体系存在的困境。针对当前存在的问题，研究提出了一套对应的实践措施：通过推动细化规则与整合体系以完善法律文本，通过构建行业自律与监督机制以强化行业治理，通过内控合规与技术赋能以压实企业责任，并通过创新协同监管与科技执法以提升部门效能。研究结论表明，电子商务个人信息保护亟需构建一个贯通法律、行业、企业与监管四个层面，以法治为基石、技术为手段、方能实现数字经济发展与个人权益保障的有机平衡。

Abstract: With e-commerce becoming a key driver of China's economic development, online payment, as its core component, brings significant convenience while also posing severe challenges to personal information protection. This paper takes online payment as a case study to systematically examine the issue of personal information protection in e-commerce. The article begins with a brief overview of e-commerce and online payment, followed by an analysis of the current protection landscape, which consists of a legislative safeguard system centered on the “Personal Information Protection Law” and industry self-regulation mechanisms. Subsequently, the study delves into the existing challenges in the current protection framework from four dimensions: legal provisions, industry governance, corporate internal compliance, and regulatory oversight. To address these issues, the research proposes a set of corresponding practical measures: refining rules and integrating systems to improve legal provisions, establishing industry self-regulation and supervision mechanisms to strengthen industry governance, enhancing internal compliance and technological empowerment to reinforce corporate responsibility, and innovating collaborative supervision and technological enforcement to boost regulatory efficiency. The findings indicate that personal information protection in e-commerce urgently requires the construction of a comprehensive system spanning legal, industry, corporate, and regulatory dimensions, with the rule of law as the foundation and technology as the means, to achieve a balanced development between digital economy growth and personal rights protection.