金融消费者权益保护法律理由

本文在次贷危机尚未恢复过来的全球经济低迷的时代背景下反思,认为加强金融消费者的保护,成为后金融危机时期各国和各地区金融监管当局反思和革新的重要内容。从金融消费者概念的界定出发,通过浅析浅析国外对金融商品交易和金融消费者基本概念的界定,对金融领域消费者的嬗变进行剖析,结合我国经济法律发展近况来界定金融消费者的内涵及外延,指出金融消费者区别于普通消费者的特殊性和提出特殊保护的理由。浅析浅析我国金融消费者保护的近况和缺失,通过国外金融消费者权益保护的模式的浅析浅析、评价进而给我国金融消费者权益保护提供借鉴,提出解决方案,构建我国金融消费者保护的法律基础,提出法律构建的原则,建立统一的金融消费者保护机构,赋予其更大的独立性和监管权,规范金融行业的信息披露制度,完善金融消费者权益的保护。

【Abstract】wWw.shuoshilunwen.com In this paper, how to reinforce the legal protection for consumers in financial service has been considered as one of the most significant issues for the government to cope with the financial crisis in the future. Due to the economic depression which was caused by the subprime crisis in the world, firstly, it is crucial to identify the comparison between the financial consumer and normal consumer. It will assist the government obverse the diverse consumer’s behior to reveal the particularity of the financial consumer’s behior, as well as seek the reasons of specific legal protection for this group of people. Secondly, the present status of legal protection for financial customers in China will be profound discussed. Through evaluation of the different modes of financial consumer’s protection in legal part from other countries, a goal to construct the fundamental laws as well as the principia in China should be achieved to ensure the further polices will be executed more efficient. Finally, building the unified institutions that are endowed the greater independence and the right of supervise. In this case, the information disclosing system will be more standardized, the rights of financial consumer will be more perfectly protected at the same time.

【关键词】 金融消费;知情权;公平交易;隐私权;法律保护;
【Key words】 Financial consumption;right;fair trade;privacy and the protection of the law;

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