Legal subjectivity:

Now that we have entered the Internet era, personal information has been exposed to the sun. Although there are special regulations for the protection of personal information in the financial industry, Internet finance has just developed, so it still needs attention. How to protect this personal financial information has become an important part of the work of the People's Bank of China. At this stage, according to the "Notice of the People's Bank of China on the Protection of Personal Financial Information by Banking Financial Institutions" (Yinfa [2011] No. 17), the scope of the People's Bank of China's protection of personal financial information includes: personal identity information, personal property information , personal account information, personal credit information, personal financial transaction information, derivative information, and other personal information. 1. Personally identifiable information. Including personal name, gender, nationality, ethnicity, identity document type number and validity period, occupation, contact information, marital status, family status, residence or workplace address and photos, etc.; 2. Personal property information. Including income status, status of real estate owned, status of vehicles owned, tax amount, provident fund deposit amount, etc.; 3. Personal account information. Including account number, account opening time, account opening bank, account balance, account transactions, etc.; 4. Personal credit information. Including credit card repayment status, loan repayment status and other information formed by individuals in their economic activities that can reflect their credit status; 5. Personal financial transaction information. This includes the personal information obtained, saved and retained by banking financial institutions in the process of payment and settlement, wealth management, safe deposit boxes and other intermediary services, as well as the personal information that customers have with third-party institutions such as insurance companies, securities companies, fund companies and futures companies through banking financial institutions. Personal information generated during business relationships, etc.; 6. Derived information. Including personal consumption habits, investment intentions, etc., information formed by processing and analyzing original information that reflects certain situations of a specific individual; 7. Other personal information obtained and saved in the process of establishing a business relationship with the individual. Legal objectivity:

"The People's Republic of China and the Civil Code"

Article 1034

The personal information of natural persons is protected by law.

Personal information is a variety of information recorded electronically or in other ways that can identify a specific natural person alone or in combination with other information, including the natural person's name, date of birth, ID number, biometric information, address, Phone number, email address, health information, whereabouts information, etc.

For private information in personal information, the provisions on privacy rights shall apply;

If there are no provisions, the provisions on the protection of personal information shall apply.