我国互联网金融消费者权益保护法律研究

发布时间：2018-11-21 15:13

【摘要】：互联网金融的出现实现了互联网创新成果与传统金融行业的深度融合,有利于激发市场创新能力,打造新兴业态,创新服务模式,提供经济发展新引擎。近年来,非法集资、网络诈骗、信息泄露、征信黑市等暴露在行业底层的“灰生态”不断发酵,严重侵犯到互联网金融消费者这一弱势群体的利益。如果对这些“灰生态”放任不管,势必会向上腐蚀到互联网金融整体环境,严重的还会引起互联网金融行业的大动荡。因此,开展大范围的互联网金融整治活动、全方位保护互联网金融消费者显得尤为必要。这有利于挤压互联网金融机构违法违规经营空间,倒逼其提高金融产品或服务的质量,为消费者提供更优质的用户体验,从而实现互联网金融领域持续、良性发展。本文主要从四个部分进行剖析:第一部分为互联网金融消费者相关理论概述。本章节主要探讨了互联网金融发展的主要模式、革新、风险以及互联网金融消费者所享有的基本权利、保护必要性,以突显完善互联网金融消费者权益保护工作的重要意义。第二部分从我国实际情况出发,详细阐述了我国对于互联网金融消费者权益保护的立法、监管、纠纷解决机制等层面的现状及问题,旨在探求一条符合我国国情的互联网金融消费者权益保护路径。第三部分主要从立法、监管、纠纷解决机制等方面介绍了美国、英国等国家对于互联网金融消费者权益保护的有益经验,从而为我国互联网金融消费者权益保护体系的构建提供方向和启示。第四部分主要从完善立法制度、监管制度、纠纷解决机制、普及金融知识等方面提出完善我国互联网金融消费者权益保护体系的具体举措,呼吁互联网金融机构回归“金融工匠”精神,推动互联网金融行业实现良性、持续发展。
[Abstract]:The emergence of Internet finance realizes the deep integration of Internet innovation achievements and traditional financial industries, which is helpful to stimulate the market innovation ability, create new business forms, innovate service models and provide a new engine for economic development. In recent years, illegal fund-raising, network fraud, information leakage, credit information black market and other exposure to the industry bottom of the "grey ecology" fermentation, seriously infringed on the interests of the Internet financial consumers as a vulnerable group. If these "grey ecology" laissez-faire, will certainly corrode to the Internet finance overall environment, will cause the Internet finance industry the big turbulence seriously. Therefore, it is particularly necessary to carry out a wide range of Internet financial rectification activities and protect Internet financial consumers in all directions. This is conducive to squeezing the illegal operation space of Internet financial institutions, forcing them to improve the quality of financial products or services, and providing consumers with better user experience, so as to achieve sustained and benign development in the field of Internet finance. This article mainly carries on the analysis from four parts: the first part is the Internet financial consumer correlation theory summary. This chapter mainly discusses the main mode of Internet financial development, innovation, risk, the basic rights of Internet financial consumers, the necessity of protection, in order to highlight the importance of improving the protection of Internet financial consumers' rights and interests. The second part sets out from our country actual situation, elaborated our country regarding the Internet financial consumer rights and interests protection legislation, the supervision, the dispute settlement mechanism and so on level present situation and the question. The purpose of this paper is to explore a path to protect the rights and interests of Internet financial consumers in accordance with China's national conditions. The third part mainly introduces the beneficial experience of the United States, Britain and other countries on the protection of the rights and interests of Internet financial consumers from the aspects of legislation, supervision, dispute resolution mechanism, etc. Thus provides the direction and enlightenment for the construction of the Internet financial consumer rights protection system in China. The fourth part mainly puts forward the concrete measures to perfect the system of protecting the rights and interests of the Internet financial consumers from the aspects of perfecting the legislative system, the supervision system, the dispute resolution mechanism, the popularization of financial knowledge, and so on. Call on Internet financial institutions to return to the spirit of "financial craftsman", promote the Internet financial industry to achieve benign and sustainable development.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8

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