金融整合服務概念下的個人資料保護問題

PERSONAL DATA PROTECTION IN THE AGE OF FINANCIAL INTEGRATED SERVICES

紀懿珊(Yi-Shan Chi)

指導教授 ： 王郁琦

元智大學/資訊學院/資訊社會學研究所/碩士(2002年)

摘要

1999年11月12日美國通過金融現代化法案（Gramm-Leach-Bliley Act），解除了自1933年來Glass-Steagall Act對美國商業銀行、證券及保險業間跨業經營所設之限制，大型金控公司紛紛出現。在此一金融整合的趨勢下，如金控公司在法律無規範的情況下的得以任意交換、流用客戶的個人資料，消費者的金融隱私權將因此受到極大的危害。
本文依據台灣與金融個人資料保護有關之法規以及美國Regulation P的規定，歸納隱私權政策內應包含的九項衡量指標並制成檢核表，再抽樣檢測本國與美國共二十四家金融機構的隱私權的完備程度，研究發現，國內的金融機構在與客戶締定契約前，除了大多並無隱私權政策外，契約內文多以要求客戶聲明必須提供個人資料予金融機構利用，客戶並無拒絕的能力。
本文最後建議主管機關強制要求金融機構制定隱私權政策，並且公告應記載事項，以確保我國消費者的金融隱私權。

關鍵字

財務隱私權 ； 定型化契約 ； 金融服務現代化法案 ； 金融整合服務 ； 個人資料保護

並列摘要

The Gramm-Leach-Bliley ACT of 1999 eliminated governmental regulations on financial institutions including banks, brokerage firms, and insurance companies. Large private financial institutions begin to emerge without governmental regulations over what they can or cannot collect from individual consumers who utilize their services on a daily basis. Without governmental regulation, the privacy of individuals will be threatened as consumers can no longer safe-guard their private financial information and thereby cannot exercise control over how their private information is being used.
　　My thesis is based on Taiwan''s personal financial privacy protection act in conjunction with the U.S. Regulation which requires that financial institutions to have nine standards govern by the regulation / Act in order to protect individual''s private financial information.　For the purpose of this thesis, twenty-four financial institutions from Taiwan and the United States will be evaluated based on what steps each institution is taking in protecting their customer''s financial privacy.
　　It is my conclusion, based on the contractual agreement between these financial institutions and their clients, that individuals have no capacity to not disclose private and personal information to their financial institutions outside the boundaries of few governmental regulations.
My thesis calls for a tighter governmental control in ways financial institutions gathers and uses individual''s private financial records / data / information in order to further protect the rights of privacy for each individual consumers, allowing people more control over how their private information is being used by their financial institutions.

並列關鍵字

Financial Privacy ； Adhesive Contract ； Gramm-Leach-Bliley ACT ； Financial Integrated Services ； Personal Data Protection

參考文獻

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