金融教育宣传周 | 守护个人信息 消保在行动 Protect Personal Financial information Consumer Rights Protection Being in Operation

什么是消费者个人金融信息?

What is Personal Financial information?

依据《中国人民银行金融消费者权益保护实施办法》第二十八条，消费者金融信息，是指银行、支付机构通过开展业务或者其他合法渠道处理的消费者信息，包括个人身份信息、财产信息、账户信息、信用信息、金融交易信息及其他与特定消费者购买、使用金融产品或者服务相关的信息。

According to the Implementation Measures of the People's Bank of China for Protecting Financial Consumers' Rights and Interests Article 28, “individuals' financial information” means individuals' information obtained, processed and retained by financial institutions through conducting business operations or other channels, including individuals' identity information, property information, account information, credit information, financial trading information and other information which reflects specific individuals' certain circumstances.

消费者个人金融信息范围

Scope of Personal Financial Information

①　个人身份信息：姓名、性别、国籍、证件信息、联系方式、婚姻/家庭状况等，以及在提供产品和服务过程中收集的照片、音视频及指纹、人脸、虹膜等个人生物识别信息等。Identity Information: Name, gender, nationality, ID details, contact information, marital/family status, and collect personal biometric information such as photos, audio and video, fingerprints, faces, irises, etc. during the provision of products and services,etc.

②　财产信息：个人收入状况、拥有的不动产状况、拥有的车辆状况、纳税额、公积金存缴金额等。Property Information: Income, real estate/vehicle holdings, tax records, etc.

③　账户信息：支付账户、磁道数据、银行账号号码、账户余额、交易记录等。Account Information: Payment account ,track data, bank account numbers,balances, transaction history, etc.

④　鉴别信息：银行卡密码、登录密码、动态口令、短信验证码、卡片验证码和密码提示问题答案等。Authentication Information: bank card password,login password,one-time-password,SMS dynamic code, CVN/CVN2,password answer, etc.

⑤　金融交易信息：交易金额、支付记录、透支详情、交易日志、交易凭证、证券委托与持仓信息、保单和理赔信息等。Financial Transaction Information: transaction amount, payment records, overdraft details, transaction logs, transaction vouchers, securities commission and position information, policy and claims information, etc.

⑥　信用信息：信贷授信、信用卡使用、贷款发放与还款记录、担保情况等。Credit Information: Loan/credit card repayment records and other credit-related data.

⑦　其他信息：消费意愿、支付习惯等基于原始数据生成的预测信息。Other Information: Predictive information generated based on raw data, such as consumption intention and payment habits.

消费者个人金融信息保护要点

Key points for protecting Personal Financial Information

①　切勿转借身份证、银行卡等证件 Do not lend ID cards, bank cards or other documents.

②　不向他人透露金融信息Do not disclose financial information to others.

③　亲自办理业务避免中介代办Handle financial transactions personally to prevent intermediary risks.

④　不随意在线上或线下渠道留下个人身份信息、密码等金融信息 Do not  leave personal identification information, passwords, and other financial information through online or offline channels at will.

⑤　不随意丢弃刷卡签购单、取款凭条、信用卡对账单等，及时销毁作废的金融业务单据 Do not casually discard credit card purchase slips, withdrawal receipts, credit card statements, etc., and promptly destroy invalidated financial business documents.

⑥　不随意点击来历不明的手机短信、邮件和不明链接，不要随意扫描来历不明的二维码，谨慎使用公共Wi-Fi、免密Wi-Fi. Do not click on mobile messages, emails, or unknown links of unknown origin, do not scan QR codes of unknown origin, and use public WiFi and password free WiFi with caution.