金融隱私保護與信息披露制度平衡的法律研究

Legal Research on Balance Between Financial Privacy Protection and Information Disclosure System

保護金融隱私是世界各國立法的趨勢，金融信息披露同樣是規範金融機構行為、維護公共利益的重要制度，兩項制度的並行必然帶來衝突。梳理我國當前的立法可以看出，關於兩項制度的法律規定零散、不科學，不能有效兼顧兩都的平衡。作為信息披露制度的重要組成部分，出於公共利益等因素的信息公開應視為金融隱私保護的例外情形。國外在解決保護和披露方面提供了較好的借鑒。解決金融隱私保護與信息披露制度平衡問題需要從位法原則、程序、權利義務配置等方面入手。

It is the trend of world legislation to protect the financial privacy, the financial information disclosure is also important system to regulate financial institutions and maintain public interest, two parallel systems inevitably bring conflicts. By combing our current legislation we can see, the legal provisions on the two systems scattered, unscientific, and can not effectively take into account the balance between the two. As an important part of the information disclosure system, information disclosure for public interest factors should be considered as exceptions to the protection of financial privacy. Foreign countries provide a good reference to address the protection and disclosure. Resolution of financial privacy protection and information disclosure system balancing issues start to solve from the legislative principles, procedures, rights and obligations configure and so on.