我国金融消费者保护若干法律问题研究

发布时间：2018-06-26 17:52

本文选题：金融消费者保护 + 金融立法　；参考：《沈阳工业大学》2017年硕士论文

【摘要】：二十一世纪是全球经济飞速发展的时期。随着现代科技水平的不断进步,世界经济一体化的趋势日渐明显,带动全球经济发展的关键由传统工业为核心的第二产业向以服务业为核心的第三产业转变。而金融业作为第三产业“长子”,对全球资本整合起着“牵一发而动全身”的关键作用。资本主义国家都对其自身的金融业发展给予极高程度的关注,但往往忽略了处于行业金字塔底部的金融消费者的保护,这直接引起金融消费者对金融行业的市场信心严重匮乏,金融消费水平锐减,那么本世纪初金融危机的出现也就自然无法避免了。但所谓“危机”,就是危险与机遇并存,本次危机使发达国家金融市场遭受惨重打击的同时,亦令世界各国“痛定思痛”。即后危机时代各国均将金融消费者的保护问题视为新一轮金融改革热潮的“重中之重”。反观我国,目前金融行业虽然发展迅速,但相关配套的金融消费者保护机制并不健全的现状从一定程度上阻碍了我国的金融业的良性发展。文章正是从上述角度出发,对我国金融消费者保护过程中出现的若干法律问题进行研究,在厘清金融消费者相关理论的基础上,从法律角度对我国的金融消费者保护的现状进行分析,找出我国目前金融消费者保护实践过程中在立法层面,监管层面以及权利救济层面存在的若干问题。同时对比英国、美国以及日本三个域外发达国家针对金融消费者保护领域的有益经验加以介绍,结合前述我国在金融消费者保护领域存在的问题提炼出对我国的启示。最后针对立法、监管以及权利救济层面存在的问题,本文提出应在立法层面逐步完善我国金融消费者立法保护;监管层面加大对我国现有的金融监管的力度,对相关金融监管机构以及监管制度予以完善;在此基础上加快完善对纠纷解决机制,构建全方位的金融消费者的权利救济体系等建议。
[Abstract]:The 21 century is a period of rapid development of the global economy. With the continuous progress of modern science and technology, the trend of world economic integration is becoming more and more obvious. The key to drive global economic development is from the secondary industry with traditional industry as the core to the tertiary industry with the service industry as the core. As the eldest son of tertiary industry, financial industry plays a key role in global capital integration. Capitalist countries pay a great deal of attention to the development of their own financial industry, but often ignore the protection of financial consumers at the bottom of the industry pyramid, which directly leads to a serious lack of financial consumers' confidence in the financial industry. The level of financial consumption has plummeted, so the emergence of the financial crisis at the beginning of this century will naturally be unavoidable. But the so-called "crisis" is the coexistence of danger and opportunity. This crisis has dealt a heavy blow to the financial markets of developed countries, and at the same time, it has also made the world "learn from the pain". That is, in the post-crisis era, the protection of financial consumers is regarded as the most important issue in the new round of financial reform upsurge. On the other hand, although the financial industry is developing rapidly, the relative financial consumer protection mechanism is not perfect. To some extent, it hinders the healthy development of our financial industry. From the above point of view, this paper studies some legal problems in the process of financial consumer protection in China, and on the basis of clarifying the relevant theories of financial consumers, This paper analyzes the present situation of financial consumer protection in China from the angle of law, and finds out some problems existing in the practice of financial consumer protection in the aspects of legislation, supervision and right relief. At the same time, this paper introduces the beneficial experiences of the three overseas developed countries, such as Britain, the United States and Japan, in the field of financial consumer protection, and extracts the enlightenment to our country by combining the problems in the field of financial consumer protection mentioned above. Finally, in view of the problems existing in legislation, supervision and right relief, this paper puts forward that we should gradually improve the legislative protection of financial consumers in our country at the legislative level; On the basis of this, we should improve the dispute resolution mechanism and build a comprehensive financial consumer's right relief system.
【学位授予单位】：沈阳工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8

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