大数据2026，Vol.12Issue(1)：96-110,15.DOI:10.11959/j.issn.2096-0271.2025081
个人金融数据共享的法律障碍与分层规制路径
Legal barriers and hierarchical regulatory paths to personal financial data sharing
摘要
Abstract
Sharing personal financial data holds significant value for enhancing financial service efficiency,facilitating collaborative supervision,and promoting the development of a financial innovation ecosystem;however,it faces multiple legal barriers.Addressing controversies over data property rights,conflicts of interest among multiple stakeholders,and excessive regulatory constraints in the sharing of personal financial data,this study proposes a hierarchical governance framework from the perspective of data providers.For personal sensitive information,it advocates scenario-based governance centered on dynamic privacy expectations to balance privacy protection and utilization.For personal non-sensitive information,it proposes optimizing informed consent rules to moderate absolute protection requirements and facilitate circulation.For non-personal information,it recommends establishing data access rights and implementing mandatory sharing to dismantle monopolistic barriers.Key regulatory measures involve defining sensitive data identification standards,adapting non-sensitive data consent rules,constructing a non-personal data access rights system,and refining regulatory design based on this hierarchical framework while adapting to technological and contextual developments.关键词
个人金融数据/数据共享/分层规制/数据访问权Key words
personal financial data/data sharing/hierarchical regulation/data access rights分类
社会科学引用本文复制引用
姚舜禹,闫夏秋..个人金融数据共享的法律障碍与分层规制路径[J].大数据,2026,12(1):96-110,15.基金项目
教育部人文与社会科学研究基金项目(No.21YJC820044) （No.21YJC820044）
气象软科学面上项目(No.2025RKXMS04) Humanities and Social Science Fund of Ministry of Education(No.21YJC820044),Meteorological Soft Science General Project(No.2025RKXMS04) （No.2025RKXMS04）
