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Notice by the People's Bank of China Regarding the Effective Protection of Personal Financial Information by Banking Institutions
[Expired]
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中国人民银行关于银行业金融机构做好个人金融信息保护工作的通知
[失效]
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【法宝引证码】
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Notice by the People's Bank of China Regarding the Effective Protection of Personal Financial Information by Banking Institutions
(No.17 [2011] of the People's Bank of China)
Shanghai Head Office of the People's Bank of China; all regional branches and operations offices of the People's Bank of China; central sub-branches of the People's Bank of China in the capital cities of all provinces (autonomous regions); all state-owned commercial banks and joint-stock commercial banks; and Postal Savings Bank of China:
Personal financial information is an important basic data accumulated in the day-to-day business of financial institutions and an important part of the personal privacy of clients of financial institutions. How to gather, use and provide personal financial information concerns not only the daily business operations of banking institutions but also the protection of client information and personal privacy. Any inappropriate conduct about personal financial information will not only directly damage clients' legitimate rights and interests but also increase the likelihood of lawsuits and adding to the operating cost of banking institutions. In recent years, there have been frequent cases of infringement up personal financial information, which has attracted the attention of the general public. Therefore, it is really necessary to reinforce the protection of personal financial information and the legal awareness of banking institutions and to gather, use and provide personal financial information to outsiders in a legitimate manner. Protecting personal financial information is a statutory obligation of banking institutions. To regulate banking institutions' behaviors in gathering, using and providing personal financial information, protect the legitimate rights and interests of financial consumers and maintain financial stability, and in accordance with the Law of the People's Republic of China on the People's Bank of China, the Law of the People's Republic of China on Commercial Banks, the Anti-money Laundering Law of the People's Republic of China, the Provisions concerning the Real-Name Individual Deposit Account System and other relevant laws and regulations, we hereby notify you of the relevant issues concerning the protection of personal financial information as follows:
| | 中国人民银行关于银行业金融机构做好个人金融信息保护工作的通知
（银发[2011]17号）
人民银行上海总部，各分行、营业管理部，各省会(首府)城市中心支行，国有商业银行，股份制商业银行，中国邮政储蓄银行：
个人金融信息是金融机构日常业务工作中积累的一项重要基础数据，也是金融机构客户个人隐私的重要内容。如何收集、使用、对外提供个人金融信息，既涉及到银行业金融机构业务的正常开展，也涉及客户信息、个人隐私的保护。如果出现与个人金融信息有关的不当行为，不但会直接侵害客户的合法权益，也会增加银行业金融机构的诉讼风险，加大运营成本。近年来，个人金融信息侵权行为时有发生，并引起社会的广泛关注。因此，强化个人金融信息保护和银行业金融机构法制意识，依法收集、使用和对外提供个人金融信息，十分必要。对个人金融信息的保护是银行业金融机构的一项法定义务。为了规范银行业金融机构收集、使用和对外提供个人金融信息行为，保护金融消费者合法权益，维护金融稳定，根据《中华人民共和国中国人民银行法》、《中华人民共和国商业银行法》、《中华人民共和国反洗钱法》、《个人存款账户实名制规定》等法律、法规的规定，现就个人金融信息保护的有关事项通知如下：
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1. For the purpose of this Notice, “personal financial information” refers to personal information acquired, processed or stored by banking institution in business operations or through the Credit Reporting System, the Payment System or any other system of People's Bank of China, including:
| | 一、本通知所称个人金融信息，是指银行业金融机构在开展业务时，或通过接入中国人民银行征信系统、支付系统以及其他系统获取、加工和保存的以下个人信息：
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(1) Personal identity information, including name, gender, nationality, ethnic group, type and valid term of identity certificate, occupation, contact information, marital status, family status, address of domicile or employer, and photo;
| | (一)个人身份信息，包括个人姓名、性别、国籍、民族、身份证件种类号码及有效期限、职业、联系方式、婚姻状况、家庭状况、住所或工作单位地址及照片等；
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(2) Personal property information, including income, immovable property, vehicle, amount of tax, and amount paid for the provident fund;
| | (二)个人财产信息，包括个人收入状况、拥有的不动产状况、拥有的车辆状况、纳税额、公积金缴存金额等；
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(3) Personal account information, including account number, the time when an account is opened, bank at which an account is opened, account balance, and transactions made through the accounts;
| | (三)个人账户信息，包括账号、账户开立时间、开户行、账户余额、账户交易情况等；
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(4) Personal credit information, including payments made to his credit card accounts, repayment of his loans, and other information formed in the process of personal economic activities and which can reflect his credit status;
| | (四)个人信用信息，包括信用卡还款情况、贷款偿还情况以及个人在经济活动中形成的，能够反映其信用状况的其他信息；
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(5) Personal financial transaction information, including personal information acquired, saved and retained by banking institutions in the course of operating the payments, settlement, financial management, safe deposit box or any other intermediary business and personal information generated in the course when clients have business relationships with insurance companies, securities companies, fund companies, futures companies and other third-party institutions through banking institutions;
．．．．．． | | (五)个人金融交易信息，包括银行业金融机构在支付结算、理财、保险箱等中间业务过程中获取、保存、留存的个人信息和客户在通过银行业金融机构与保险公司、证券公司、基金公司、期货公司等第三方机构发生业务关系时产生的个人信息等；
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