(Author Huang Dazhi) Recently, the talk show actor Chi Zi (real name Wang Yuechi) reported that a bank leaked customer information and rushed to Weibo for a while.

This is the requirements of the big customers

Although the Weibo hot search is widely known, in order to complete the integrity, we will briefly describe the incident first.

On the evening of May 6th, the well -known talk show actor Chi Zi posted a long article on his personal Weibo, responding to the interpretation of the cultural interpretation of Xiao Guo, and by the way, the P2P that had passed the wind, and the development of the early talk show of the light turtles.And said that the current situation is that it is impossible to carry out any work, and has been working with Xiaoguo Culture.

But then, Chi Zi pointed out that in the case materials sent by Xiao Guo Culture, he found his personal account transaction details in a bank.He went to consult a lawyer and believed that Xiao Guo culture and the behavior of banks involved were suspected of violating personal information of citizens.He called the bank to ask for a statement, and was told that it was the request of the big customers.

At the end of this Weibo released by Chi Zi, a lawyer's letter was attached to Xiaoguo Culture and the bank branch.

Subsequently, in the early morning of May 7, the bank involved apologized for it, saying that after verification, the employee did not strictly handle it in accordance with the regulations. During the Qigui culture request, he provided the receipt record of Mr. Wang (Chi Zi), and to the relevant personnel, and to the relevant personnel, and to the relevant personnelPunitable treatment was performed.

Eat melon in the vine

After basically understanding the above incidents, we can see that the focus is not the dispute between Chi Zi and Xiao Guo culture, but the third -party mdash; mdash; bank.Without the permission of Chi Zi himself, Xiaoguo Culture got the detailed trading details of Chi Zi in the bank's personal account.The bank and Swordsman culture are suspected of infringing citizen's personal information.

If you want to eat a clear melon, you must clarify several of the key points.

Key point one: Under normal circumstances, how to print personal account transaction information

Generally speaking, a large amount of important information involves a large amount of important information in personal account transaction information. Banks require that they must handle the printing business and cannot conduct agency.Therefore, there are several methods to print personal account transaction information:

The first is the online method. Users can choose account transaction information to print through mobile banking/online banking.This printing file is printed with an electronic seal and has legal effect.However, in practice, only some banks instead of all banks support this online service method.At the same time, given the importance of this information, the print file is sent to the email address for encryption transmission. Users need to get the unlocking method on mobile banking/online banking before they can open the file.

The second is the offline self -service method, that is, through the self -service terminal printer in the bank outlets, users only need to have a bank card and password to print themselves.However, in practice, various banks have different regulations, and some banks need to authorize the authorities in the outlets; some banks do not need to be authorized, but the options are limited.Essence

The third is to print at the bank counter. Whether it is the bank's high cabinet (with bulletproof glass) or low cabinet (open), this business can be handled.In this case, it must be that I must hold a bank card and ID card, and some banks even need multiple verification methods such as face recognition to print.

Of course, under special circumstances, if the bank account is an elderly person, a child, or no ability to move, civil behavior ability, etc., the guardian can handle it after providing relevant certificates.But this is too special, we will not discuss it for the time being.

The above methods are based on the premise of legal compliance, and the user himself performs the method of printing information for personal bank account transaction information.

However, according to the feedback from the bank to Chi Zi, this is the request of the big customers. It can be explained that the printing information printed is not based on the wishes of Chi Zi himself.

Key point two: unconventional means, printing and acquisition of personal account transaction information

The acquisition and printing of transaction information unconventional means both legitimate compliance and illegal ways.

The first is that under the circumstances of legal compliance, public security organs, courts and other power institutions provide property preservation (commonly known as frozen property).The key issue of property preservation is to provide the property clues of the person who are insured and the applicant provides corresponding guarantees.In the contract disputes between Chizi and Swordsman culture, if Xiaoguo Culture as a applicant, the people's court asked the people's court to apply for property preservation of the property (Chi Zi).It is the clue of the property of the preservation person, and except for the relevant information of housing and car -related information, it is the most important thing for bank account transaction information.When related clues are not provided, you can apply for the court and other related institutions to inquire about the property clues of the insured person.

But it should be noted that even so, this personal account transaction information should not be mastered by laughing fruit culture.In other words, even if the security application of Xiaoguo Culture has been implemented, the property clues mentioned in it are impossible and should not appear in the control of Xiaoguo Culture Company.

The second, the way of violations of laws and regulations is also the most likely one that many netizens speculate. Bank employees should be requested by laughing fruit and printed the personal transaction information of Chi Zi privately.Reply confirmed.The reason is also very simple. Just as this is a reply with the requirements of the big customers, Xiaoguo Culture as an important corporate customer of the branch, and knows that Ikezi's name, ID card, bank account, etc.The customer's psychology is not surprising.And this method obviously violates the relevant provisions of the People's Bank of China and the China Banking Regulatory Commission, and even suspected of violating the crime of violations of citizens' personal information.

As for some people weird, since the laughing culture can inquire about the property clues of the respondent (pool) through the court's execution of the investigation and control system, why should it be risky and check the account transaction information of Chi Zi.It involves that after applying for property preservation, the feedback from institutions such as banks and real estate trading centers requires a certain time, and the time cost is very high, so it is the best for the applicant's related property clues.

Protection of Personal Financial Information, Renzhong Daoyuan

If the bank's personal account transaction information is further subdivided, it is essentially personal financial information.In the latest personal financial information protection technical specifications released in February 2020, the personal financial information refers to personal information that financial institutions acquire, process and save through financial products and services or other channels, including account information, identification information, and information, and information, identification information, and information, information, and information, and information, identification information, and information, and information, identification information, and information, and information, identification information, and information, and information, identification information, and information, and information, identification information, and information.Financial transaction information, personal identity information, property information, loan information, and other information that reflects certain individuals.

Compared with other personal information, personal financial information is highly related to personal assets and credit status. Once leaked, it has a greater threat to consumers' property security.Therefore, supervision attaches great importance to the protection of personal financial information.

In fact, as early as 2007, the central bank began the protection of personal financial information through documents such as customer identification of financial institutions and customer identity information and transaction record preservation management measures.According to incomplete statistics, there have been ten related departmental norms, rules and regulations and other regulatory methods so far to the protection of personal financial information (see Table 1).

In addition to the formal regulatory documents, the central bank's leaders at all levels also emphasize the need to strengthen the protection of personal financial information in various forums and work conferences.Signals with stricter financial information security supervision.

But in practice, my country's current personal financial information protection still has a lot of deficiencies.For example, the lack of unified superior law, the legal accountability mechanism of illegal institutions and individuals is still not sound, and then frequently occur in financial institutions and outsourcing institutions to use customers' personal financial information illegal profits.The large -scale leakage is harmful to the safe operation of the financial system.

Not to mention that in April this year, millions of customers involved in many domestic banks were circulated, and the price was sold on the dark network.Despite the inspection and comparison of the banks involved, it is inconsistent with the real data information, how to ensure the security of the personal financial information of bank users, and it continues to attract the attention of the whole people.

This time, Chi Zi's bank's violations of personal information have aroused widespread concern, which is not just a gossip in the entertainment circle+financial circle, but the public's further improvement of its own information, especially personal financial information protection awareness.

It is worth looking forward to that after issuing a solicitation draft in 2019, the formal personal financial information (data) protection trial method may be issued in 2020, which means that financial institutions will be available, and personal financial information will be moreGood protection.

Perhaps the incident similar to the Chi Zi complaint will no longer happen.

The author is a researcher at Suning Financial Research Institute.