金融科技中数据安全的挑战与对策

doi:10.11959/j.issn.2096-109x.2019044

Abstract

Abstract:

While financial technology brings opportunities to the financial industry,it also brings new challenges.With the rapid development of financial technology,the big data explosion caused by the digitalization,networking and intelligence of financial services has put forward new and greater requirements for data security governance.Based on the analysis of the status quo of financial technology development and financial data security,a financial data security “shell” model for the characteristics of financial data was proposed:the internal is the security goals of ensuring data confidentiality,integrity,and availability; the external is a variety of threats including data leaking,tampering and destroying etc; the middle is various coping strategies,including access strategies,prevention and control strategies,detection strategies,perceived strategies and etc.According to this model,relevant suggestions and countermeasures for data security governance in financial technology are proposed.

Key words: financial technology, big data, data security, data governance, security model

CLC Number:

TP393.08

Jianming ZHU,Hongrui YANG. Data security challenges and countermeasures in financial technology[J]. Chinese Journal of Network and Information Security, 2019, 5(4): 71-79.

Figures/Tables 5

References 23

[21]	GB/T 36073-2018,Data management capability maturity assessment model[S]. Beijing:China National Standardization Administration Committee, 2018.
[22]	朱红儒 .信息安全技术数据安全能力成熟度模型[R]. 北京:全国信息安全标准化技术委员会, 2018.
	ZHU H R . Information security technology data security capability maturity model[R]. Beijing:National Information Security Standardization Technical Committee, 2018.
[23]	郑斌 . 企业数据安全能力框架——数据安全能力成熟度模型的构建及应用[J]. 信息安全与通信保密, 2017(11): 70-78.
[1]	尹志超, 余颖丰 . 重视金融科技在金融发展中的作用[N]., 光明日报,理论,2018-11-20.
	YIN Z C , Yu Y F . Pay Attention to the role of financial technology in financial development[N]. Guangming Daily,Theory,2018-11-20.
[2]	普华永道.2018年中国金融科技调查报告[R]. 2018.
	PwC.2018 China financial technology survey report[R]. 2018.
[3]	Verizon.2019 data breach investigations report(12th edition)[R]. 2019.
[4]	吴信东, 董丙冰, 堵新政 ,等. 数据治理技术[J]. 软件学报, 2019,30(9): 1-22.
	WU X D , DONG B B , DU X Z ,et al. Data governance technology[J]. Journal of Software, 2019,30(9): 1-22.
[5]	张明英, 潘蓉 . 《数据治理白皮书》国际标准研究报告要点解读[J]. 信息技术与标准化, 2015(6): 54-57.
	ZHANG M Y , PAN R . Interpretation of the key points of the international standards research report on data governance white paper[J]. Information Technology ＆ Standardization, 2015(6): 54-57.
[6]	李文红, 蒋则沈 . 金融科技（FinTech）发展与监管:一个监管者的视角[J]. 金融监管研究, 2017(3): 1-13.
	LI W H , JIANG Z S . FinTech development and supervision:a regulator's perspective[J]. Financial Supervision Research, 2017(3): 1-13.
[7]	中国信息通信研究院.人工智能发展白皮书-产业应用篇（2018）[R]. 2018.
	China Academy of Information and Communications Technology. Artificial intelligence development white paper—industrial application(2018)[R]. 2018.
[8]	赵维平 . 大数据为金融创新插上翅膀[J]. 中国金融, 2019(4): 21-22.
	ZHAO W P . Big data inserts wings for financial innovation[J]. China Finance, 2019(4): 21-22
[9]	肖翔, 陈则栋, 战天舒 ,等. 我国商业银行金融科技发展现状、问题与建议[J]. 当代金融家, 2018(8): 76-79.
	XIAO X , CHEN Z D , ZHAN T S ,et al. Status quo,problems and suggestions on the development of financial technology in China's commercial banks[J]. Contemporary Financiers, 2018(8): 76-79.
[10]	王冠, 张敏 . 区块链商业金融的应用层次、问题与对策建议[J]. 商业经济研究, 2018(7): 162-165.
	WANG G , ZHANG M . Application levels,problems and countermeasures of blockchain commercial finance[J]. Business Economics Research, 2018(7): 162-165.
[11]	中国信息通信研究院.金融行业云计算技术调查报告(2018)[R]. 2018.
	China Academy of Information and Communications Technology. Financial industry cloud computing technology survey report(2018)[R]. 2018.
[12]	周志华 . 机器学习[M]. 北京: 清华大学出版社, 2016.
	ZHOU Z H . Machine learning[M]. Beijing: Tsinghua University PressPress, 2016.
[13]	李连朋, 罗宏 . 国内外金融业信息安全综述[J]. 网络与信息安全学报, 2017,3(2): 9-19.
	LI L P , LUO H . Review of domestic and international financial security[J]. Chinese Journal of Network and Information Security, 2017,3(2): 9-19.
[14]	PWC.Global economic crime survey[R]. 2016.
[15]	朱建明, 高博 . 社交金融的信息安全风险分析与防范[J]. 网络与信息安全学报, 2016,2(3): 46-51.
	ZHU J M , GAO B . Social financial information security risk analysis and prevention[J]. Chinese Journal of Network and Information Security, 2016,2(3): 46-51.
[16]	石光 . 金融科技“双刃剑”[J]. 中国金融, 2019(6): 74-76.
	SHI G . Financial technology double-edged sword[J]. China Finance, 2019(6): 74-76.
[17]	数据安全治理白皮书2.0[R]. 北京:北京安华金和科技有限公司, 2019.
	Data security governance white paper 2.0[R]. Beijing:Beijing AnhuaJinhe Technology Co.,Ltd., 2019.
[18]	刘宇 . 我国金融科技监管框架完善路径浅析[J]. 中国金融电脑, 2019(7): 35-37.
	LIU Y . Analysis on the perfection path of China's financial science and technology supervision framework[J]. China Financial Computer, 2019(7): 35-37.
[19]	KOPP E , KAFFENBERGER L , WILSON C . Cyber risk,market failures,and financial stability[M]. International Monetary Fund, 2017.
[20]	丁丽媛 . 基于数据生命周期的金融数据安全管理研究[J]. 信息安全研究, 2018(6): 548-554.
	DING L Y . Research on financial data security management based on data life cycle[J]. Information Security Research, 2018(6): 548-554.
[21]	GB/T 36073-2018,数据管理能力成熟度评估模型[S]. 北京:中国国家标准化管理委员会, 2018.
[23]	ZHENG B . Organizational data security capability framework——development and implementation of data security competency maturity model[J]. Information Security and Communication Confidentiality, 2017(11): 70-78.

Metrics

Recommended 0

No Suggested Reading articles found!

支付结算	存贷款与资本筹集	投资管理	市场设施
零售类支付	借贷平台	智能投顾	跨行业通用服务
移动钱包	借贷型众筹	财富管理	客户身份数字认证
点对点汇款	线上贷款平台	电子交易	多维数据归集处理
数字货币	电子商务贷款	线上证券交易	技术基础设施
批发类支付	信用评分	线上货币交易	分布式账户
跨境支付	贷款清收	—	大数据
虚拟价值交换网络	股权融资	—	云计算
	投资型众筹

Data security challenges and countermeasures in financial technology

RichHTML

PDF下载

Knowledge

Abstract

Cite this article

share this article

Figures/Tables 5

References 23

Related Articles 15

Metrics

Recommended 0

[1]	Peng HOU, Zhixin LI, Fei ZHANG, Xu SUN, Dan CHEN, Yihao CUI, Hanbing ZHANG, Yinan JIN, Hongfeng CHAI. Technology and practice of intelligent governance for financial data security [J]. Chinese Journal of Network and Information Security, 2023, 9(3): 174-187.
[2]	Dong LI, Yanni HAO, Shenghui PENG, Ruijie ZI, Ximeng LIU. Network security of the National Natural Science Foundation of China: today and prospects [J]. Chinese Journal of Network and Information Security, 2022, 8(6): 92-101.
[3]	Dibin SHAN, Xuehui DU, Wenjuan WANG, Aodi LIU, Na WANG. Access control relationship prediction method based on GNN dual source learning [J]. Chinese Journal of Network and Information Security, 2022, 8(5): 40-55.
[4]	Chao MU, Xin WANG, Ming YANG, Heng ZHANG, Zhenya CHEN, Xiaoming WU. Hardcoded vulnerability detection approach for IoT device firmware [J]. Chinese Journal of Network and Information Security, 2022, 8(5): 98-110.
[5]	Zhensheng GAO, Lifeng CAO, Xuehui DU. Research progress of access control based on blockchain [J]. Chinese Journal of Network and Information Security, 2021, 7(6): 68-87.
[6]	Jiashun ZHOU, Na WANG, Xuehui DU. Multi-party efficient audit mechanism for data integrity based on blockchain [J]. Chinese Journal of Network and Information Security, 2021, 7(6): 113-125.
[7]	Kui REN, Quanrun MENG, Shoukun YAN, Zhan QIN. Survey of artificial intelligence data security and privacy protection [J]. Chinese Journal of Network and Information Security, 2021, 7(1): 1-10.
[8]	Zhenhua CAI,Jiayun LIN,Fang LIU. Blockchain storage:technologies and challenges [J]. Chinese Journal of Network and Information Security, 2020, 6(5): 11-20.
[9]	Qiuyue SU, Xingshu CHEN, Yonggang LUO. Access control model for multi-source heterogeneous data in big data environment [J]. Chinese Journal of Network and Information Security, 2019, 5(1): 78-86.
[10]	Tuosiyu MING, Hongchang CHEN. Research progress and trend of text summarization [J]. Chinese Journal of Network and Information Security, 2018, 4(6): 1-10.
[11]	De-yu YUAN,Xiao-juan WANG,Jian-chao WAN. Influence of Internet plus on cyberspace security and the technology development trend in Internet plus era [J]. Chinese Journal of Network and Information Security, 2017, 3(5): 1-9.
[12]	Yun-fei CI,Guo-zhen SHI,Rong-na XIE,Yao-ming PAN,Feng YANG,Si-shui YE. Time based incremental backup scheme for mobile cloud computing [J]. Chinese Journal of Network and Information Security, 2016, 2(8): 48-53.
[13]	Kai-min WEI,Jian WENG,Kui REN. Data security and protection techniques in big data:a survey [J]. Chinese Journal of Network and Information Security, 2016, 2(4): 1-11.
[14]	Shang LI,Zhi-gang ZHOU,Hong-li ZHANG,Xiang-zhan YU. Prospect of secure-efficient search and privacy-preserving mechanism on big data [J]. Chinese Journal of Network and Information Security, 2016, 2(4): 21-32.
[15]	Wei TONG,AOYun-long M,Qing-jun CEHN,Bin-ru WANG,Bao-jia ZHANG,Sheng ZHONG. Survey of big-data-analysis-resistant privacy protection [J]. Chinese Journal of Network and Information Security, 2016, 2(4): 44-55.