金融数据治理的激励与规制路径探析

On the Incentive and Regulation Path of Financial Data Governance

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归属学者:

黄茂钦

作者:

黄茂钦1 ;周坤琳

摘要:

金融数据的有效治理是金融业得以良性发展的关键要素。金融数据在治理过程中,理论上存在范围界定不明、权利泛化等问题,实践中因行业透支数据安全引致监管呈趋严之势。究其缘由,金融数据在创造巨大商业价值的同时,存在数据安全隐患的风险错配、征信系统不全、技术与法律难以有效对接等问题。为解决金融数据治理之困,于内而言,借助激励机制,以衡平博弈各方数据利益需求,内化金融数据安全要求,变通传统数据保护原则;于外而言,构建规制机制,划定金融数据的安全底线,依托区块链蕴含的数据安全与协同管理的治理思想,建立差异性、包容性规制机制。

出版日期:

2020-11-30

学科:

宪法学与行政法学

提交日期

2021-01-14

引用参考

黄茂钦;周坤琳. 金融数据治理的激励与规制路径探析[J]. 中国应用法学,2020(06):111-124.

全文附件授权许可

知识共享许可协议-署名

  • dc.title
  • 金融数据治理的激励与规制路径探析
  • dc.contributor.author
  • 黄茂钦;周坤琳
  • dc.contributor.author
  • Huang Maoxin;Zhou Kunlin
  • dc.contributor.affiliation
  • 西南政法大学
  • dc.publisher
  • 中国应用法学
  • dc.publisher
  • China Journal of Applied Jurisprudence
  • dc.identifier.year
  • 2020
  • dc.identifier.issue
  • 06
  • dc.identifier.volume
  • No.24
  • dc.identifier.page
  • 111-124
  • dc.date.issued
  • 2020-11-30
  • dc.subject
  • 金融数据;数据治理;激励机制;规制机制
  • dc.subject
  • financial data;data governance;incentive mechanism;regulatory mechanism
  • dc.description.abstract
  • 金融数据的有效治理是金融业得以良性发展的关键要素。金融数据在治理过程中,理论上存在范围界定不明、权利泛化等问题,实践中因行业透支数据安全引致监管呈趋严之势。究其缘由,金融数据在创造巨大商业价值的同时,存在数据安全隐患的风险错配、征信系统不全、技术与法律难以有效对接等问题。为解决金融数据治理之困,于内而言,借助激励机制,以衡平博弈各方数据利益需求,内化金融数据安全要求,变通传统数据保护原则;于外而言,构建规制机制,划定金融数据的安全底线,依托区块链蕴含的数据安全与协同管理的治理思想,建立差异性、包容性规制机制。
  • dc.description.abstract
  • The effective governance of financial data is the key factor for the sound development of financial industry. In the process of financial data governance, there are some problems in theory, such as unclear scope, generalization of rights and so on. In practice, due to overdraft of the data security from industry, the supervision tends to be strict. The reason is that while financial data creates huge commercial value, there are problems such as mismatch of data security risks, incomplete credit system, and effectively technology and law connection difficulty. In order to solve the problem of financial data governance, internally, with the help of incentive mechanism, we should balance the data interest needs of all parties in the game, internalize the requirements of financial data security, and change the principles of traditional data protection; externally, we should establish regulatory mechanism with differences and inclusiveness, delimit the bottom line of financial data security, according to the governance idea of data security and collaborative management contained in the block chain.
  • dc.description.sponsorshipPCode
  • 201919BFX007
  • dc.description.sponsorship
  • 2019年度国家社科基金项目“软法在经济法治发展中的地位与作用研究”(19BFX007)的阶段性成果
  • dc.description.sponsorshipsource
  • 国家社会科学基金
  • dc.identifier.CN
  • 10-1459/D
  • dc.identifier.issn
  • 2096-322X
  • dc.identifier.if
  • 0
  • dc.subject.discipline
  • D922.16
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