信用管理专业 互联网金融下的消费者个人信息保护的问题研究分析VIP免费

互联网金融下的消费者个人信息保护的问题研究摘要随着大数据时代的到来，信息技术的快速发展，促进了传统金融行业与互联网的结合，互联网金融给消费者带来了不一样的消费方式，带来便利的同时，也产生了消费者个人信息泄露，被非法利用等问题，严重损害消费者的隐私权。传统的隐私权理论已不能互联网金融消费者的信息权利提供充分的理论保证，加之我国互联网金融消费者个人信息权法律保护不健全，行业监管不规范，使得互联网金融消费者个人信息权处于安全隐患中。因此，本文对我国现阶互联网金融消费者个人信息存在问题进行研究，先分析了我国当前法律保护的现状，然后分析了消费者个人信息保护的困境，还借鉴了发达国家的经验，最后从完善法律法规，加强监管和行业自律，提升互联网信息安全技术，提高信息保密意识，建立线上解决纠纷机制等方面寻求保护措施，力求全面保护互联网金融消费者的个人信息权。关键词：互联网金融；消费者信息保护；信息权ResearchontheProtectionofConsumerPersonalInformationunderInternetFinanceAbstractWiththeadventoftheeraofbigdataandtherapiddevelopmentofinformationtechnology,thecombinationoftraditionalfinancialindustryandtheInternethasbeenpromoted,andInternetfinancehasbeenderived.Internetfinancehasbroughtdifferentconsumptionmethodstoconsumers.Therehavebeenproblemssuchasleakageandillegaluseofconsumers'personalinformation,whichseriouslydamagesconsumers'privacyrights.ThetraditionalprivacytheorycannolongerprovidesufficienttheoreticalguaranteefortheinformationrightsofInternetfinancialconsumers.Inaddition,thelegalprotectionofthepersonalinformationrightsofInternetfinancialconsumersinmycountryisnotperfect,andtheindustrysupervisionisnotstandardized,whichmakesthepersonalinformationrightsofInternetfinancialconsumersatriskofsecurity.middle.Therefore,thispaperstudiestheproblemsexistinginmycountry'scurrentInternetfinancialconsumers'personalinformation,firstanalyzesthecurrentstatusoflegalprotectioninmycountry,andthenanalyzesthedilemmaofconsumers'personalinformationprotection,anddrawsontheexperienceofdevelopedcountries.Lawsandregulations,strengthensupervisionandindustryself-discipline,improveInternetinformationsecuritytechnology,increaseawarenessofinformationconfidentiality,andestablishanonlinedisputeresolutionmechanismtoseekprotectionmeasures,andstrivetocomprehensivelyprotectthepersonalinformationrightsofInternetfinancialconsumers.Keywords:Internetfinancial；consumerinformation；protectioninformationrights目录一、引言.......................................................................................................................................................1（一）研究背景及意义.......................................................................................................................11.研究背景...................................................................................................................................12.研究意义...................................................................................................................................1（二）国内外的研究现状...................................................................................................................21.国外研究现状...........................................................................................................................22.国内研究现状...........................................................................................................................2（三）研究目的及研究方法...................