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随着信息化时代的迅速发展,个人信息的传播和使用日益增长,个人信息被滥用的现象也日益增多。如何在个人信息保护和信息有效流通间取得平衡,各国都进行了广泛探索,并以欧盟和美国为代表逐步形成了相对完备的个人信息保护法律体系。2009年2月《保险法》和《刑法》修订后,保险行业的个人信息保护也进入了新的阶段。本文着重借鉴国际经验,对我国保险业相关立法实践进行分析,对未来立法和监管实践进行探索并提出相关建议。
With the rapid development of information age, the dissemination and use of personal information is increasing day by day, and the abuse of personal information is also increasing. How to strike a balance between the protection of personal information and the effective circulation of information has been widely explored in all countries. A relatively complete legal system for the protection of personal information has been gradually formed by the EU and the United States. In February 2009, after the “Insurance Law” and the “Criminal Law” were revised, personal information protection in the insurance industry has also entered a new phase. This article mainly draws lessons from the international experience, analyzes the related legislation practice in the insurance industry in our country, explores the future legislation and the supervision practice and puts forward the related suggestion.