国家金融监督管理总局、中国人民银行有关司局负责人就《关于优化已故存款人小额存款提取有关要求的通知》答记者问(4)
答：</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">已故存款人银行账户交易明细</SPAN>记载着</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">已故存款人生前的部分个人信息，并且可能涉及个人隐私，应当谨慎对待。商业银行负有“为存款人保密”的义务。</SPAN>继承人虽然可以概括继承已故存款人与银行间的合同权利义务，但基于账户交易信息的人身属性，</SPAN>继承人并不</SPAN>当然取得对账户</SPAN>交易</SPAN>信息的获知权利。不当使用</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">账户交易信息、</SPAN>侵害已故存款人隐私的，行</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">为人应当承担民事责任。另一方面，</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">2021年11月施行的</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">《个人信息保护法》规定，近亲属出于自身的合法、正当利益，可以对死者的相关个人信息行使查阅等权利，死者生前另有安排的除外。现实中，也存在继承人在特定情形下查询已故存款人生前交易明细的合理需求。继承人合法、正当的查询需求应当得到满足。</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px"><o:p style="BOX-SIZING: border-box"></o:p></SPAN></P>
<SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">因此，为兼顾个人信息保护和继承人查询需求，依据</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">《民法典》</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">《个人信息保护法》</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">等法律规定，</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">经征求多方意见，我们在《通知》中明确了查询</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">账户交易明细有关要求</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">，以满足特定情形下的查询需求。为避免非必要、无限制查询，保护已故存款人个人信息和隐私权，《通知》对查询申请人和查询时限等作出规定</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px">。</SPAN><SPAN style="BOX-SIZING: border-box; PADDING-BOTTOM: 0px; LIST-STYLE-TYPE: none; MARGIN: 0px; PADDING-LEFT: 0px; PADDING-RIGHT: 0px; FONT-FAMILY: 仿宋; FONT-SIZE: 15pt; FONT-WEIGHT: normal; PADDING-TOP: 0px"><o:p style="BOX-SIZING: border-box"></o:p></SPAN></P>


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