跨国银行金融消费者权益保护法律问题研究

发布时间：2018-09-12 09:33

【摘要】：跨国银行是金融全球化的载体和中枢,其在世界范围内的扩张和在母国与东道国的双重影响下,对世界金融市场有着牵一发动全身的影响。金融消费者面对跨国银行时受金融专业知识、信息不对称、格式合同等因素的限制,具有国内银行消费者保护难题的共性。因为涉外因素的存在,又具有国内银行消费者保护在金融信息安全、跨国财产保护和跨国诉讼方面不具有的特殊性。由于各国的利益出发点不同,经济发展水平不同,法律制度不同,所以有关跨国银行金融消费者权益保护的法律规定存在很多冲突。这就造成跨国银行金融消费者在金融隐私权、金融安全权和金融求偿权受到侵害后难以得到切实有效的保护。因此,需要在国际消费者保护、跨国银行监管、国际司法协助等方面进行制度设计,对跨国银行金融消费者进行特殊的、全面的保护才能有效的维护其合法权益。跨国银行金融消费者面对的是强势的金融霸主,是复杂的国际市场,是不同国家的法律规则。全球经济一体化意味着各国交易和纠纷解决机制需要走向统一。对我国来说,我们需要学习和引进国际规则,积极参与国际规则的制定,加强国际交流合作。为保证我国跨国银行持续健康发展,有效地保护国内金融消费者利益,正确处理跨国银行与金融消费者的权益纠纷。本文提出了加强国际金融合作与监管、完善银行存款保险制度、协调信息披露与隐私保护、构建多形式的纠纷处理机制等完善路径。
[Abstract]:Multinational banks are the carriers and backbone of financial globalization, and their expansion in the world and the dual influence of home and host countries have a whole-body impact on the world financial market. Because of the existence of foreign-related factors, the protection of domestic bank consumers does not have the particularity in the aspects of financial information security, transnational property protection and transnational litigation. There are a lot of conflicts in the legal provisions of the protection of the rights and interests of transnational banks, which makes it difficult for the financial consumers of transnational banks to get effective protection after the infringement of financial privacy, financial security and financial claims. Financial consumers of China's banks are facing a strong financial hegemony, a complex international market and legal rules of different countries. Global economic integration means that the trading and dispute resolution mechanisms of all countries need to be unified. For China, we need to learn and introduce international rules, actively participate in the formulation of international rules, and strengthen international exchanges and cooperation. We should supervise and perfect the bank deposit insurance system, coordinate information disclosure and privacy protection, and construct a multi-form dispute settlement mechanism.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8

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