论开放银行数据共享中的信息披露义务

开放银行模式下,数据共享过程中的信息披露存在对象和内容两方面的特殊性,个人客户的知情权保障面临信息不对称与信息过载的双重困境。我国有关开放银行的规范将视线聚焦于技术标准,涉及信息披露之核心操作环节的规则处于空白状态。在我国,实践中,各家银行并没有足够的动力履行信息披露义务,有必要对开放银行数据共享中的信息披露义务进行系统构建,这需要结合银行和第三方机构在数据共享不同阶段承担的不同角色,对信息披露义务的具体内容及形式予以明确,并从民事责任、行政责任、刑事责任的角度对各类违反信息披露义务的行为分别加以规制。

On the Obligation of Information Disclosure in Data Sharing of Open Banking

Under the mode of open banking,the information disclosure in the process of data sharing has particularities in terms of both objects and content,and the protection of the right of information of individual customers faces double predicaments of information asymmetry and information overload.The rules of China on open banking are focused on technical standards,and rules concerning the core operational aspect of information disclosure are absent.In practice,banks do not have enough incentive to fulfill the obligation of information disclosure,so it is necessary to systematically construct the obligation of information disclosure in data sharing of open banking.It is necessary to clarify specific content and modes of the obligation of information disclosure according to different roles played by banks and third-party institutions at different stages of data sharing,and regulate various types of violation of the obligation of information disclosure respectively from perspectives of civil,administrative,and criminal liabilities.