1. Identity information: Personal identity information includes gender, name, home address, etc.
2. Property information: Personal property information mainly includes bank deposits and personal income;
3. Derivative information: Derivative information includes personal investment preferences, etc.
4. Credit investigation: Credit investigation includes personal loans and repayment;
5. Financial transaction information;
6. Account information: Account information refers to the account number and balance handled by an individual.
1) Personal financial information refers to the professional service activities such as financial analysis, financial planning, investment consulting and asset management provided by commercial banks by taking advantage of outlets, technology, talents, information, funds and various financial instruments. Specifically, commercial banks use financial knowledge, professional technology and extensive information resources to provide customers with all-round and personalized financial services according to their financial situation and specific needs. In addition to providing general information consultation, we also use various financial instruments, such as savings, financing, bank cards, personal checks, safes, insurance, securities, foreign exchange, funds and bonds. Put forward appropriate financial planning, guide customers how to arrange their own income and expenditure, and realize their personal ideals and goals through the optimal allocation of personal assets.
2) According to the Implementation Measures for the Protection of Financial Consumers' Rights and Interests of China People's Bank, personal financial information refers to personal information obtained, processed and saved by financial institutions through business or other means, including personal identity information. Information, property information, account information, credit information, financial transaction information and other information reflecting the specific situation of a specific individual. Personal financial information is an important basic data accumulated in the daily business of financial institutions, and it is also an important content of personal privacy of financial institutions' customers. How to collect, use and provide personal financial information involves both the normal business development of financial institutions and the protection of customer information and personal privacy. Improper behavior involving personal financial information will not only directly infringe on the legitimate rights and interests of customers, but also increase the related risks of financial institutions. Personal financial information is the financial transaction information and personal identity information generated and collected by individual citizens in financial activities, which is related to many rights and interests of citizens, such as personal personality and property, and is an important and special field of personal information.