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| 題 名 | 基於比較法的大灣區金融數據跨境流動規則研究=Research on Cross-Border Rules of Financial Data in the Greater Bay Area Based on Comparative Law |
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| 作 者 | 談蕭; | 書刊名 | 澳門法學 |
| 卷 期 | 2024:2=56 2024.06[民113.06] |
| 頁 次 | 頁146-158 |
| 分類號 | 575.2 |
| 關鍵詞 | 粵港澳大灣區; 金融數據; 跨境流動; 數據共享; The Guangdong-Hong Kong-Macao Greater Bay Area; Financial data; Cross-border flow; Data sharing; |
| 語 文 | 中文(Chinese) |
| 中文摘要 | 粵港澳大灣區具有探索我國金融數據跨境流動規則的獨特優勢,但目前尚存在遵循制度不同、標 準差異較大、制度銜接較差等法律難題。歐盟涉及多關境、多司法區;美國雖為單一關境,但屬於聯邦制國 家,且市場經濟高度發達;二者的金融數據跨境流動或共享規則,對於“一國兩制、三法域”的粵港澳大灣區 具有借鑒價值。在金融數據跨境流動或共享的立法理念上,歐盟強調個人數據嚴格保護基礎上的跨境流動,美 國則強調共享基礎上的個人數據權利保護;在金融數據跨境流動或共享的監管模式上,歐盟是主動型監管,美 國是限制型監管。二者的共性規則有:金融數據流動共享“知情-同意”規則;明確的金融數據流動共享者法 律義務與責任;高效協調的金融數據流動共享監管機制。歐盟和美國的經驗能給粵港澳大灣區帶來防範個人金 融數據流動共享法律風險、構建金融數據流動共享法律規則、協調金融數據流動共享監管機制等方面的啟示。 結合目前存在的問題,借鑒歐盟、美國經驗,粵港澳大灣區需要強化金融數據管理制度的對接、提升金融數據 跨境流動的法律保護水準、構建金融數據流動聯合監管機制。 |
| 英文摘要 | The Guangdong-Hong Kong-Macao Greater Bay Area has unique advantages in exploring cross-border financial data flow rules in China, but currently there are still legal challenges such as different compliance systems, significant differences in standards, and poor institutional connections. The European Union involves multiple bor- ders and jurisdictions, while the United States, although a single border, is a federal country with a highly developed market economy. The cross-border flow or sharing rules of financial data between the two have reference value for the Guangdong-Hong Kong-Macao Greater Bay Area, which has "one country, two systems, and three jurisdictions". In the legislative concept of cross-border flow or sharing of financial data, the European Union emphasizes the strict protection of personal data based on cross-border flow, while the United States emphasizes the protection of personal data rights based on sharing; In the regulatory model of cross-border flow or sharing of financial data, the European Union adopts proactive regulation, while the United States adopts restrictive regulation. The common rules between the two are: the "informed consent" rule for sharing financial data flow; Clear legal obligations and responsibilities of financial data flow sharers; Efficient and coordinated regulatory mechanism for sharing financial data flow. The experiences of the European Union and the United States can provide insights for the Guangdong-Hong Kong-Macao Greater Bay Area in preventing legal risks related to personal financial data flow sharing, establishing legal rules for financial data flow sharing, and coordinating regulatory mechanisms for financial data flow sharing. Based on the current problems and drawing on the experiences of the European Union and the United States, the Guangdong-Hong Kong-Macao Greater Bay Area needs to strengthen the integration of financial data management systems, improve the legal protection level of cross-border financial data flow, and build a joint regulatory mechanism for financial data flow. |
本系統中英文摘要資訊取自各篇刊載內容。