【摘要】 关于银行的保密义务 ,英国及其他一些西方国家在法律上早就作出了规定 ,我国的《中华人民共和国商业银行法》也有“为存款人保密”的条款。银行保密义务的主体主要有两类 ,一是银行本身和其内部工作人员 ,二是关联企业 (与银行同在一银行集团内的其他企业 )。银行保密义务的客体包括客户应银行要求提供的情况 ;银行在业务审查、操作过程中通过自身及其他各种渠道获得的客户资料和情况 ;银行通过与客户的业务往来对客户的主观印象和资信评价。银行保密义务的解除包括法律强制披露 ;客户明示和默示同意。更多还原

【Abstract】 Of the bank’s “Keep Secret”obligation, UK and some other Western countries have worked out their regulations for quite a long time. The “Commercial Bank Law of the People’s Republic of China”has the same term. The main body of bank’s “Keeping Secret” obligation has two main kinds: one is for the bank itself and its working staffs. The other is its affiliated enterprises (other enterprises in the same bank group woth the bank).The object of the bank’s “Keeping Secret”obligation includes information provided by customers under requirement of the bank; the bank’s subjective impression and credit evaluation of customers through business.The relieving of the obligation includes forced release according to law,open or silent agreement of the customer.更多还原