文献类型：期刊文献

中文题名：数字时代金融数据跨境流动的风险与规制研究

英文题名：Research on the Risk and Regulation of Cross-border Flow of Financial Data in Digital Age

作者：彭德雷[1];张子琳[2]

机构：[1]华东理工大学法学院,上海200237;[2]华东理工大学商学院,上海200237

年份：2022

卷号：43

期号：1

起止页码：14

中文期刊名：国际商务研究

外文期刊名：International Business Research

收录：CSTPCD;;国家哲学社会科学学术期刊数据库;北大核心:【北大核心2020】；CSSCI:【CSSCI_E2021_2022】；

基金：国家社会科学基金项目“数字贸易框架下跨境数据流动的国家规制与国际治理研究”(项目编号:19CFX083);上海市教育法学人才项目(项目编号:2020JYFXR041);上海市浦江人才项目(项目编号:PJ20190002076)。

语种：中文

中文关键词：金融数据;跨境流动;风险规制

外文关键词：financial data;cross-border flow;risk regulation

摘要：数字时代经济和社会发展对金融数据跨境流动提出新要求。金融数据是金融信息的重要载体,由于金融数据的敏感性,其跨境流动涉及公民个人隐私、金融机构自身利益乃至国家金融安全。在实践中,如果对金融数据跨境流动缺乏有效规制,不仅难以发掘金融数据的潜在价值,而且还将引发各类风险。当前,美欧针对金融数据跨境流动采取不同的规制模式。美国对金融数据跨境流动的限制日趋宽松;欧盟对金融数据跨境流动规制主要以《一般数据保护条例》(GDPR)为框架,更加强调保护个人权利。为应对金融数据跨境流动风险,我国有必要进一步完善金融数据跨境流动的规制措施,形成金融数据跨境流动分级监管的规制思路。与此同时,加强对个人金融信息的保护和金融机构自身数据合规体系建设,积极开展双边及多边合作,有效利用金融数据的价值。
In the digital age,economic and social development has put forward new requirements for the cross-border flow of financial data.Financial data is the carrier of financial information,and it is related to personal privacy,financial institutions’own interests,financial security,and even national security.In practice,if there is a lack of effective regulations on the cross-border flow of financial data,it will not only be difficult to discover the potential value of financial data,but will also cause various risks.Currently,the United States and Europe have adopted different regulatory models for cross-border flows of financial data.The United States has increasingly relaxed restrictions on the cross-border flow of financial data;the EU’s regulation of cross-border flows of financial data is based on the GDPR and more emphasis on the protection of individual rights.In order to cope with the risk of cross-border flow of financial data,it is necessary for China to further improve the regulatory measures for the cross-border flow of financial data,and form a regulatory approach for the classification and supervision of cross-border flows of financial data.At the same time,it is necessary to strengthen the protection of personal financial information,actively carry out bilateral and multilateral cooperation,and effectively utilize the value of financial data.