金融消费者权益法律保护制度研究

发布时间：2018-02-22 21:50

本文关键词： 金融消费者权益保护法律制度　出处：《云南大学》2015年硕士论文　论文类型：学位论文

【摘要】：2008年从美国波及到全球的金融危机,使各国的金融监管遇到重大的考验,引起各国开始重视金融消费者保护的系列问题,而这一危机的原因之一便是金融交易欺诈等滥用市场行为的猖獗,使金融监管立法的严重缺陷暴露无遗,即在金融监管下忽视了金融消费者的保护。在此背景下,英国《金融服务与市场法》、欧盟《金融市场工具指令》、日本《金融商品交易法》和美国《多德-弗兰克法案》出台,研究金融消费者权益保护成为当今世界范围内的重要课题。我国自2001年加入世界贸易组织以来,金融体制改革向更广、更深的层面推进,而实践中,金融消费者的权利受到忽视、甚至侵害的现象日益增多。近年来,我国制定并完善了金融消费者权利保护方面的法律法规,如2013年10月25日修订了《消费者权益保护法》,从充实细化个人信息保护、加大对欺诈行为的惩罚力度、强化经营者的义务和责任、进一步发挥消费者协会作用和明确行政部门的监管职责等方面对消费者权益进行了强化,银行业监督管理委员会颁布《银行业消费者权益保护工作指引》,创建金融消费者权益保护的工作制度、流程和措施,但从总体上看,我国对金融消费者的保护在法律制度设计、监管、权利救济等方面尚不健全,本文拟通过借鉴欧美等发达国家和地区金融消费者权益的法律制度、经验教训,重点对金融消费者权益的法律保护体系、金融监管理念等进行研究,从完善相关法律规范,建立健全监管制度和健全金融消费纠纷解决机制层面,在新常态下,建立契合国情的金融消费者权益的法律保护制度,为构建我国金融消费者法律制度和金融体制创新发展提供一点有益的参考。
[Abstract]:In 2008, the financial crisis, which spread from the United States to the whole world, put the financial supervision of various countries to a major test, causing countries to begin to pay attention to a series of problems concerning the protection of financial consumers. One of the reasons for this crisis is the rampant abuse of the market, such as financial transaction fraud, which exposes the serious defects of financial supervision legislation, that is, neglecting the protection of financial consumers under financial supervision. The United Kingdom's Financial Services and Markets Act, the European Union's Financial Market Instruments Directive, Japan's Financial Commodities Trading Act and the Dodd-Frank Act of the United States, Research on the protection of the rights and interests of financial consumers has become an important issue in the world today. Since China joined the World Trade Organization in 2001, the reform of the financial system has moved to a broader and deeper level, while in practice, The rights of financial consumers have been ignored and even violated. In recent years, China has formulated and improved laws and regulations on the protection of the rights of financial consumers. For example, in October 25th 2013, the Law on Protection of Consumer Rights and interests was amended to enrich and refine the protection of personal information, to increase the punishment for fraud, and to strengthen the obligations and responsibilities of operators. Further exerting the role of consumer associations and clarifying the regulatory responsibilities of the administrative departments have strengthened consumer rights and interests. The Banking Regulatory Commission has promulgated the guidelines on the Protection of Banking consumers' Rights and interests to create a working system, process and measures for the protection of the rights and interests of financial consumers. But on the whole, the protection of financial consumers in China is designed in the legal system. Supervision, right relief and other aspects are not perfect. This paper intends to draw lessons from the legal system of financial consumer rights and interests in developed countries and regions, such as Europe and the United States, and focus on the legal protection system of financial consumers' rights and interests. From the aspects of perfecting the relevant legal norms, establishing and perfecting the supervision system and the financial consumption dispute resolution mechanism, under the new normal condition, establishing the legal protection system of the financial consumer's rights and interests in accordance with the national conditions. It provides a useful reference for the construction of financial consumer legal system and the innovation and development of financial system.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8

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