银行APP被点名！监管“指挥棒”加力，数据安全再升级

Core Viewpoint - Financial institutions with extensive and valuable data resources face significant data security challenges in the era of digital transformation [1] Regulatory Trends - Over the past year and a half, numerous banks have received notifications and fines related to data security management and violations of customer privacy, primarily among regional banks [2] - There is a clear trend of increasing regulatory scrutiny, with more penalties issued for issues such as excessive collection of personal information by banking apps and non-compliance in data management [2][10] - Recent regulations, including the "Data Security Management Measures" by the People's Bank of China, set compliance baselines for data processing activities and emphasize the protection of personal and organizational rights [3][4] Legal Framework Development - Since 2021, several laws, including the "Data Security Law" and the "Personal Information Protection Law," have been enacted to enhance data security regulations [4] - The "Data Security Management Measures" outlines requirements for data governance, classification, and risk monitoring, mandating banks to conduct security assessments before data processing [3][4] Privacy Violations in Banking Apps - Personal information protection is a critical aspect of data security, with the "Data Security Management Measures" specifically addressing this issue [5] - Excessive collection of personal information has been the most frequently reported violation among banking apps [6] - In April 2024, 67 mobile applications, including several banking apps, were reported for illegal collection and use of personal information [7] Enforcement Actions - In 2024, at least 30 banks faced penalties for violations related to credit information collection and data security management [8][10] - Common violations include inadequate management of sensitive data, failure to monitor risks, and lack of timely responses to data security vulnerabilities [10] Disparities in Data Security Management - Smaller regional banks lag behind larger national banks in data security management, organizational structure, and strategic awareness [11] - Many small banks still adhere to outdated information security management practices, lacking clear responsibilities and effective data lifecycle management [11] Organizational Adjustments - Some banks are restructuring their organizations to comply with new data security regulations, such as establishing dedicated data management departments [12] - For instance, Lanzhou Bank has formed a Financial Technology and Digital Management Committee to enhance its data security framework [12]