我国银行消费者权益法律保护研究

发布时间：2018-03-30 02:07

本文选题：银行　切入点：银行消费者　出处：《湖南师范大学》2015年硕士论文

【摘要】：银行与银行消费者之间是一种对立统一的矛盾关系。银行作为经营者,追逐自身利益的最大化是其根本宗旨,在此过程中,必然会或多或少地损害到作为交易一方的消费者的权益。然而,金融业是信心行业,消费者权益屡遭损害必然会降低消费者参与金融活动的积极性,最终影响到整个银行业的稳定和发展,2008年的全球金融危机就是最好的例证。随着银行业的深化发展,银行等金融机构逐渐大型化、集团化,银行产品也日新月异,银行消费者相较于银行,其在信息能力、交涉能力、缔约能力等方面的弱势地位日益凸显,银行消费者权益受侵害的现象频频发生,加强对银行消费者权益的保护仍任重道远。2008年金融危机爆发后,各国在金融监管改革中均将消费者权益的保护作为重中之重,以美国为代表的西方国家开始探索建立专门的消费者权益保护机构。在此趋势下,我国银监会银行消费者权益保护局于2012年正式成立,对银行消费者权益的保护起到了积极的作用。然而,由于银行的不合理收费、不当销售、强制消费等现象层出不穷,加之伴随电子银行的发展而出现的新型消费安全问题,银行消费者的公平交易权、自主选择权、安全权等权利依然受到严重侵犯。银行消费者权益保护是一个系统工程,完善我国的银行消费者权益保护制度需要从消费者本身、银行、银行业监管机构、银行业协会等主体着手,以完善相关立法为出发点,建立健全相关机构和配套制度,包括银行监管机构的监管职责、银行的信息披露制度、收费制度及信息保密制度、纠纷的多元化解决机制等,从而建立起一个符合我国国情的银行消费者权益保护制度。
[Abstract]:The relationship between banks and consumers is a contradiction of opposites and unity of opposites. As an operator, it is the fundamental aim of banks to pursue the maximization of their own interests. The financial industry, however, is an industry of confidence, and repeated damage to consumer rights and interests will inevitably reduce the enthusiasm of consumers to participate in financial activities. The global financial crisis of 2008 is the best example. With the deepening development of the banking industry, banks and other financial institutions are gradually becoming large and clustered, and banking products are changing with each passing day. Compared with the bank, the bank consumer has a more and more weak position in the aspects of information ability, negotiation ability, contracting ability and so on. The phenomenon that the bank consumer's rights and interests are infringed frequently occurs. There is still a long way to go to strengthen the protection of the consumers' rights and interests of banks. After the financial crisis broke out in 2008, all countries took the protection of consumer rights and interests as the top priority in the reform of financial supervision. Western countries, represented by the United States, began to explore the establishment of specialized consumer rights and interests protection institutions. Under this trend, the Consumer Rights Protection Bureau of the Bank of the Banking Regulatory Commission of China was formally established in 2012. It has played a positive role in the protection of bank consumers' rights and interests. However, due to unreasonable charges, improper sales, forced consumption and other phenomena, and accompanied by the development of electronic banking, a new type of consumer security problems have emerged. The rights of bank consumers to fair trade, independent choice and security rights are still seriously violated. The protection of bank consumers' rights and interests is a systematic project. To perfect the banking consumer rights and interests protection system in our country, we need to start with the consumers themselves. The banks, banking regulatory bodies, banking associations, and so on, set up and improved the relevant institutions and supporting systems, including the supervisory duties of the banking regulatory bodies and the information disclosure system of the banks, taking the relevant legislation as the starting point. Charging system, information secrecy system, dispute resolution mechanism and so on, so as to establish a bank consumer rights and interests protection system in line with the national conditions of our country.
【学位授予单位】：湖南师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8

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