金融数据跨境流动法律规制问题研究

Study on the Legal Regulation of Cross-Border Flow of Financial Data

摘要: 在当今社会经济全球化趋势下，金融机构正常业务的开展离不开金融数据的跨境传输流动，其所作出的每一项管理决策，如资金流向、产品定价、市场营销等都依托于科学可靠的统计数据而作出，可以说信息数据已然成为金融行业的一项基本生产工具。然而金融数据的规模庞大，类别包罗万象，其中不乏一些兼具复杂性与敏感性的数据，在跨境流动的过程中极易对个人隐私甚至国家安全造成威胁。我国在金融数据跨境流动的监管规则上将一般规定与特别规定相结合，蕴含着利益平衡的辩证理念，但与此同时也存在着一些缺陷，例如对某些重要的金融数据概念界定不明确，不同监管规则之间衔接不流畅等问题，在金融数据越发重要的今天，我国应当构建体系协调，咬合紧密的金融数据跨境监管规则，在利益平衡理念的基础上建立金融数据的分级分类动态监管规则，并积极投身于国际化数据流动规则的制定，以便更好地维护国家信信息与公民隐私安全。

Abstract: Under the trend of globalization, financial institutions cannot carry out their normal business without the cross-border transmission and flow of financial data, and every management decision they make, such as capital flow, product pricing, marketing, etc., relies on scientific and reliable statistical data, so it can be said that information data has become a basic production tool for the financial industry. However, the scale of financial data is huge and the categories are all-encompassing, including some data with complexity and sensitivity, which can easily pose threats to personal privacy and even national security in the process of cross-border flow. China’s regulatory rules on cross-border flow of financial data combine general and special provisions, which embody the dialectical concept of balance of interests, but at the same time there are also some shortcomings, such as the unclear definition of certain important financial data concepts, the lack of fluency between different regulatory rules, etc. In today’s increasingly important financial data, China should build a coordinated system and tightly bite financial data cross-border regulatory rules, in the concept of balance of interests. In today’s financial data is more and more important, China should build a coordinated system and tightly bite financial data cross-border regulatory rules, establish a hierarchical classification of financial data based on the concept of balance of interests and dynamic regulatory rules, and actively participate in the development of international data flow rules, so as to better maintain the security of national information and citizens’ privacy.