我国金融消费者权益保护

【Abstract】wWw.shuoshilunwen.com With the rapid development of the financial industry, blurring the boundaries of the financial spending of developed countries put forward the concept of financial consumer protection, financial crisis, it is clear to protect the financial interests of consumers, as the regulatory objectives; in recent years, financial market development in China rapidly, along with the construction of Shang hai international financial center process, our country must also focus on financial consumer protection. Strengthening the legal rights of financial consumers maintenance of the basic rights of consumers are effectively protected; while strengthening the obligations and responsibilities of financial institutions, prompting financial institutions to provide standardized financial products and services, improve financial consumer environment. This article will focus on commercial banking services consumption perspectives on China’s financial consumer protection related issues.The article is divided into four parts:Part I: First of all is the definition of financial consumers. the concept of a financial consumer, the concept of financial consumers from abroad compared with the arguments of scholars, a full analysis of the properties of financial consumers, the consumer is a consumer demonstrates a financial type, and summarizes financial consumers concepts and features. Secondly, the meaning of financial consumers to make a brief introduction, so that more clearly outline the financial consumers. Part II: Infringement Case consumer banking services to financial consumer protection perspective the status quo. This section lists the banking services market in the lawful rights and interests of consumers in a typical case of violations, such as the right to information, security, privacy and so on. Through the analysis of the case, the initial reveal of the current financial status of consumer protection.Part III: The status of our financial consumer protection and a brief assesent. Financial consumer protection legislation of thinking led to the neglect of the absence of the law; Mixed trend in the sub-regulatory system to make a lot of financial regulation unreasonable; combined financial consumer rights protection mechani is not perfect, these elements Consumer Protection in China has caused tremendous financial impact, is the main consumer protection law of China’s financial problems.Part IV: To study the succesul experience of developed countries, improve the financial consumer protection system. Financial consumer protection for the main problems, the author proposes in this part of their own countermeasures and suggestions .Succesul experience of developed countries, drawing on legislation, while consumer protection for our financial shortcomings proposed: changes in financial consumer protection legislation and judicial guidelines, and implement moderately inclined protection; improve the financial regulatory system; the strengthening of the obligations of financial institutions; improve the financial Consumer Protection of the dispute settlement mechani.