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保护金融隐私是世界各国立法的趋势,金融信息披露同样是规范金融机构行为、维护公共利益的重要制度,两项制度的并行必然带来冲突。梳理我国当前的立法可以看出,关于两项制度的法律规定零散、不科学,不能有效兼顾两者的平衡。作为信息披露制度的重要组成部分,出于公共利益等因素的信息公开应视为金融隐私保护的例外情形。国外在解决保护和披露方面提供了较好的借鉴。解决金融隐私保护与信息披露制度平衡问题需要从立法原则、程序、权利义务配置等方面入手。
The protection of financial privacy is the trend of the legislation of all countries in the world. The disclosure of financial information is also an important system for regulating the behavior of financial institutions and safeguarding the public interests. The parallel implementation of the two systems inevitably leads to conflicts. Combining the current legislation in our country shows that the legal provisions on the two systems are fragmented and unscientific and can not effectively balance the two. As an important part of the information disclosure system, the disclosure of information due to factors such as the public interest should be regarded as an exception to the protection of financial privacy. Foreign countries have provided a good reference for the solution of protection and disclosure. To solve the problem of financial privacy protection and information disclosure system balance need to start from the legislative principles, procedures, configuration of rights and obligations.