金融数据本地化规制现状检视及其完善

Review and Improvement of Financial Data Localization Regulations

摘要: 随着国际数字贸易发展与数字经济的兴起，金融数据的跨境流动已然成为常态。但为防范金融数据受损，出于保护一国数据主权的考虑，金融数据本地化措施的应用呈现出增长趋势，同时由于其适用在一定程度上遏制了金融数据本身的流动，在国际金融发展中存在着一定的争议。本文从金融数据本地化的规制功能以及价值争议入手，理清其基本概况的前提下分析当今国内外规制状况，在此基础上我国应进一步推进金融数据本地化法律体系的构建，同时尝试在保护数据主权和国家监管前提下一定程度放宽金融数据本地化的限制，最终在总体框架上继续坚持推动金融开放，加强金融行业方面的国际合作。

Abstract: With the development of international digital trade and the rise of the digital economy, the cross-border flow of financial data has become a norm. However, to prevent damage to financial data and protect a country’s data sovereignty, financial data localization measures have been on the rise. While such measures aim to safeguard data, they also restrict the flow of financial data to a certain extent, leading to debates in international financial development. This article begins by examining the regulatory function and value disputes surrounding financial data localization, providing an overview of the current situation. It then analyzes the regulatory landscape both domestically and internationally. On this basis, it argues that China should further advance the construction of its legal framework for financial data localization. At the same time, it should explore ways to relax certain restrictions on financial data localization under the premise of protecting data sovereignty and ensuring national regulatory oversight. Ultimately, the article advocates for continued promotion of financial openness and enhanced international cooperation within the financial sector under the overarching framework.