银行理财产品金融消费者权益保护问题研究

发布时间：2018-11-28 08:07

【摘要】：随着我国社会经济的不断发展,以及消费水平的不断提高与消费理念的不断变化,银行理财产品等许多金融商品深入人心,随着理财纠纷的增多,消费者们也越来越关注银行理财产品金融消费者权益保护的问题。在实践中,由于利益的冲突,法律规范的缺失,以及消费者缺乏相应的维权意识。事实上我国银行理财产品金融消费者权益保护现状并不乐观。本文首先通过对银行理财产品和金融消费者的概念明晰来实现对银行理财产品金融消费者的法律界定。该法律界定通过对消费主体的和消费内容的双重限定,使银行理财产品金融消费者被限定在一个较小的范围内。其次,结合相关的银行理财产品消费案列,分析当前银行理财产品金融消费者的保护现状。第三,通过对国外经验的分析,来为我国银行理财产品金融消费者的保护提供宝贵的参考与借鉴。最后,通过分析论证,确立银行理财产品金融消费者在《消费者权益保护法》中的“消费者”地位。使其在权利在受到侵害的时候能获得倾斜性的保护。同时,通过完善实践中的披露,服务和救济制度来全方位的保护银行理财产品金融消费者的合法权益。从而促进我国银行理财的相关产业,健康稳定的发展。
[Abstract]:With the continuous development of our country's social economy, the constant improvement of consumption level and the constant change of consumption idea, many financial commodities, such as bank financial products, have been deeply accepted by people, and with the increase of financial disputes, Consumers are also paying more and more attention to the protection of the rights and interests of banking products and financial consumers. In practice, because of the conflict of interests, the lack of legal norms, and the lack of awareness of consumer rights. In fact, the current situation of financial consumer protection of banking financial products in China is not optimistic. In this paper, the concept of banking financial products and financial consumers is clarified to achieve the legal definition of banking financial products and financial consumers. The definition of this law makes the financial consumers of bank financial products be limited to a smaller scope by double restriction of the consumer and the content of consumption. Secondly, this paper analyzes the current situation of banking financial products and consumer protection. Thirdly, through the analysis of foreign experience, it provides valuable reference and reference for the protection of financial consumers of banking financial products in China. Finally, through the analysis and argumentation, we establish the "consumer" status of the banking financial products and financial consumers in the Consumer Rights and interests Protection Law. So that they can be inclined to protect their rights in case of infringement. At the same time, through perfecting the disclosure, service and relief system in practice to protect the legitimate rights and interests of financial consumers. In order to promote the banking industry, healthy and stable development.
【学位授予单位】：贵州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8

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