商业银行与客户关系的法律本质是合同关系。商业银行在与客户业务往来及拓展过程中客观上必将产生收集、知悉、利用客户各种信息行为,这些信息的不当管理及利用极易构成对客户金融隐私权的侵犯。明晰金融隐私权内涵、剖析商业银行侵犯客 The legal nature of the relationship between commercial banks and clients is the contractual relationship. Commercial banks in the process of business dealings with customers and objectively will produce a collection of, know, and use of customer information behavior, the improper management and use of these information constitutes a very easy invasion of the customer’s financial privacy. Clarify the connotation of financial privacy and analyze the commercial banks encroaching off customers