金融消费者法律保护研究

发布时间：2018-09-12 08:03

【摘要】：进入二十一世纪后,全球经济进入了高速发展阶段。随着当代科学技术的不断发展,世界各国经济的联系日益密切,逐渐成为一个整体,以服务业为核心的第三产业已经成为世界各国经济发展的重中之重,并且金融业已经成为第三产业中极其重要的行业。虽然世界各发达国家都对本国金融行业的发展给予了高度关注,但是对处于行业弱势地位的金融消费者的法律保护却有待完善。这就导致金融消费者合法权益极易受到侵害,金融消费者对本行业的信心受到打击,金融消费水平的下降以及二十世纪初金融危机的出现也就不那么难以让人理解了。危机顾名思义就是从危险中寻找机遇,世界各国的金融市场虽然因为此次的金融危机遭受到严重的侵害,但亦使各发达国家通过此次危机发现了自身金融市场针对金融消费者的法律保护方面还有很多不足。所以在危机过后,各国金融改革的重点都是加强对金融消费者的法律保护。文章从以上方面出发,对我国在金融业不断发展和金融消费者保护过程中出现的若干法律问题进行研究,在依靠金融消费者相关理论的基础上,从法律层面对我国金融消费者法律保护的现状进行分析,指出当前我国金融消费者法律保护在立法层面,监管机构层面以及权利救济层面的不足之处。并且通过对英国、美国和日本这三个对金融消费者法律保护方面比较先进的发达国家的金融消费者法律保护方面的一些措施的介绍,得出对我国金融消费者法律保护方面的一些启示。最后针对上述问题从立法、监管机构和权利救济三个层面来进行解决,首先在立法层面上应不断完善金融消费者的法律保护;其次通过设置专门的监管机构来加大我国目前金融监管的力度;最后在此基础上不断发展多重纠纷解决机制,使金融消费者的权利救济体系构建成为一个整体。因此,文章的写作目的和意义就是,在我国已经进入到金融业发展的繁荣阶段的时候,通过上述研究得出的启示再结合我国的基本国情,来对我国金融消费者法律保护方面进行完善,解决掉因我国金融行业的飞速发展而带来的一些隐患与麻烦,最终达到我国金融市场持续健康稳定发展的目的。
[Abstract]:After entering the 21 century, the global economy has entered a high-speed development stage. With the continuous development of modern science and technology, the economic ties of various countries in the world are becoming closer and closer, and gradually become a whole. The tertiary industry, with the service industry as the core, has become the most important part of the economic development of all countries in the world. And the financial industry has become an extremely important industry in the tertiary industry. Although the developed countries all over the world pay great attention to the development of their own financial industry, the legal protection of the financial consumers in the weak position of the industry needs to be improved. As a result, the legitimate rights and interests of financial consumers are vulnerable to infringement, the confidence of financial consumers in the industry has been hit, the level of financial consumption has fallen and the emergence of the financial crisis in the early 20th century is not so difficult to understand. The crisis, by definition, is to look for opportunities in danger. Although the financial markets of various countries have suffered serious damage as a result of the current financial crisis, But the crisis has also led developed countries to discover many shortcomings in the legal protection of their financial markets against financial consumers. So after the crisis, the focus of financial reform is to strengthen the legal protection of financial consumers. From the above aspects, this paper studies some legal problems in the continuous development of financial industry and the process of financial consumer protection in China, and on the basis of relying on the relevant theories of financial consumers. This paper analyzes the current situation of the legal protection of financial consumers in China from the legal level, and points out the deficiencies of the legal protection of financial consumers in the legislative level, the regulatory body level and the right relief level. And through the introduction of some measures in the legal protection of financial consumers in developed countries, which are relatively advanced in the legal protection of financial consumers, such as the United Kingdom, the United States and Japan, Some enlightenments to the legal protection of financial consumers in China are obtained. Finally, to solve the above problems from the legislative, regulatory and rights relief three levels to solve, first of all, in the legislative level should continue to improve the legal protection of financial consumers; Secondly, through the establishment of special regulatory agencies to increase the strength of our current financial supervision; finally, on the basis of the continuous development of multiple dispute resolution mechanism, so that financial consumers' right relief system into a whole. Therefore, the purpose and significance of the article is that, when China has entered the stage of prosperity in the development of the financial industry, the enlightenment obtained from the above research will be combined with the basic conditions of our country. To improve the legal protection of financial consumers in China, solve some hidden dangers and troubles brought by the rapid development of our financial industry, and finally achieve the goal of sustainable, healthy and stable development of our financial market.
【学位授予单位】：沈阳工业大学
【学位级别】：硕士
【学位授予年份】：2018
【分类号】：D923.8

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