数字人民币试点中的个人信息法律监管

李瀚琰1; 2

数字人民币试点中的个人信息法律监管

引用本文：李瀚琰1，2.数字人民币试点中的个人信息法律监管[J].财经理论与实践,2024,(1):152-160

摘要点击次数: 246

全文下载次数: 115

作者	单位
李瀚琰1，2	（1.上海立信会计金融学院法学院，上海 201209；2.华东政法大学博士后流动站，上海 200042）

中文摘要:自2021年中国人民银行开展试点数字人民币工作以来，在技术创新和市场需求共同作用下，法定货币数字化将对我国金融制度和结算体系产生重要影响。但是，在提高交易效率、节约交易成本、推动人民币国际化的同时，也产生了诸如个人信息泄露的金融风险，例如：监管层的信息泄露与权力滥用风险、交易层的信息处理风险以及应用层的交易信息泄露及二次侵权之风险等。金融监管一直是防范金融风险的核心途径，能够有效弥补法律法规出现的供给制度不足。为此，应当及时在立法层面完善制度机制、采取先进的监管科技手段、改良知情同意规则等，最终为国家层面提供良好的制度借鉴与实践基础。

中文关键词:数字人民币试点个人信息保护法律监管金融创新

Legal Supervision of Personal Information in the Digital RMB Pilot Program

Abstract:Since the People’s Bank of China launched the pilot work of digital RMB in mid-2021, under the joint action of technological innovation and market demand, the digitalization of legal tender will have an important impact on China's financial system and settlement system. However, while improving transaction efficiency, saving transaction costs and promoting the internationalization of RMB, it also produces financial risks such as personal information leakage, such as the risk of information leakage and power abuse of the regulatory layer, the risk of information processing of the trading layer, and the risk of transaction information leakage and secondary infringement of the application layer. Financial supervision has always been the core way to prevent financial risks, which can effectively make up for the shortage of supply system in laws and regulations. Therefore, it is necessary to timely improve the legislation at the institutional level, adopt advanced regulatory scientific and technological means, and improve the informed consent rules, so as to provide a good institutional reference and practical basis for the national level.

keywords:digital RMB pilot program personal information protection legal supervision financial innovation

查看全文 查看/发表评论 下载pdf阅读器