CAJ | 학술논문

近年来，我国频繁发生个人金融信息泄露、贩卖事件，严重侵犯金融消费者的合法权益，加强个人金融信息保护已成为迫切需要解决的问题。本文通过研究美国、欧盟个人金融信息保护制度，指出我国个人金融信息保护面临法律制度不健全、监管职责不清晰、工作机制不完善等问题，并从明确个人金融信息保护的立法理念、赋予个人金融信息主体权利、明确监管部门及职权、完善救济途径等方面对我国加强个人金融信息保护提出建议。
근년래，아국빈번발생개인금융신식설로、판매사건，엄중침범금융소비자적합법권익，가강개인금융신식보호이성위박절수요해결적문제。본문통과연구미국、구맹개인금융신식보호제도，지출아국개인금융신식보호면림법률제도불건전、감관직책불청석、공작궤제불완선등문제，병종명학개인금융신식보호적입법이념、부여개인금융신식주체권리、명학감관부문급직권、완선구제도경등방면대아국가강개인금융신식보호제출건의。
In recent years, the disclosure and selling of personal financial information have happened frequently in China, which has seriously infringed the rights and interests of financial consumers, therefore, strengthening the protection of personal financial in-formation has become an urgent issue needing to be solved. Through the research on American and European Union's personal finan-cial information protection system, the paper points out that China's personal financial information protection is faced with such prob-lems that the legal systems are not perfect, regulatory responsibilities are not clear and the working mechanisms are not complete. And the paper puts forward suggestions on strengthening China's personal financial information protection from such aspects as definituding legislative conceptions of personal financial information protection, granting the subject right of personal financial infor-mation, clarifying the regulatory departments and their powers and perfecting relief ways and so on.