金融数据共享利益冲突平衡的法律进路

数据是数字经济时代最重要的生产要素之一,流动的数据才能发挥数据价值,金融数据共享是数据流动的一种形式。金融活动中金融数据在不同金融机构之间、金融机构与科技企业之间、金融机构与金融监管机构之间共享,金融数据控制者对其所控制的数据的财产性权益期待是促进数据共享的动力。金融数据中有大量关涉个人信息的数据,而且金融数据安全关系到国家金融体系安全,在确保国家金融体系稳健和个人信息安全的前提下,将金融数据权利赋予金融数据控制者,有利于促进金融数据共享,最大限度地挖掘金融数据价值。为平衡金融数据共享主体之间的利益冲突,应当以确定数据权属为底层逻辑,优先保障个人信息权益,并通过引进侵权惩罚性赔偿机制,调整惩罚性赔偿金分配机制和个人信息侵权公益诉讼规则,完善个人信息侵权赔偿制度。

Legal Approach to Balancing Conflicts of Interest in Financial Data Sharing

Data is one of the most important factors of production in the era of digital economy, and the value of data can only be realized with flowing data, and financial data sharing is a form of data flow. Financial data in financial activities are shared among different financial institutions, between financial institutions and technology enterprises, and between financial institutions and financial regulators, and the expectation of financial data controllers for the property rights and interests in the data under their control is the driving force for data sharing. There is a large amount of data concerning personal information in financial data, and the security of financial data is related to the security of the national financial system. Under the premise of ensuring the soundness of the national financial system and the security of personal information, granting the rights to financial data to the controller of financial data is conducive to promoting the sharing of financial data and maximizing the value of financial data. In order to balance the conflict of interests between financial data sharing subjects, the underlying logic should be to determine data ownership, prioritize the protection of personal information rights and interests, and improve the personal information infringement compensation system by introducing the mechanism of punitive damages for infringement, adjusting the mechanism of distributing punitive damages and the rules of public interest litigation for personal information infringement.