互联网金融消费者教育制度研究

发布时间：2018-06-28 23:36

本文选题：互联网金融 + 金融治理体系　；参考：《南方金融》2017年11期

【摘要】：互联网金融消费者教育是互联网金融消费者权益保护体系的重要组成部分。建立和完善互联网金融消费者教育制度,对于促进互联网金融监管转型、保障互联网金融行业良性发展、维护互联网金融消费者权益具有重要意义。目前,国内互联网金融消费者教育制度安排还不能满足互联网金融发展的客观需要,主要表现在制度理念滞后、立法规范缺失、教育主体局限以及教育方式落后等方面。为此,要建立健全互联网金融消费者教育相关的法律法规,构建有效的法律框架;加强互联网金融消费者教育的制度创新,实现制度优化的与时俱进;支持、鼓励互联网金融行业协会和从业机构参与互联网金融消费者教育,实现教育主体的多元化;吸收、借鉴场景思维理念开展互联网金融教育,实现金融教育产品与金融消费者的个性化适配。
[Abstract]:Internet financial consumer education is an important part of Internet financial consumer protection system. It is of great significance to establish and perfect the education system for Internet financial consumers to promote the transformation of Internet financial supervision, to ensure the benign development of Internet financial industry and to safeguard the rights and interests of Internet financial consumers. At present, the arrangement of domestic Internet financial consumer education system can not meet the objective needs of the development of Internet finance, mainly reflected in the lagging of system idea, the lack of legislation and norm, the limitation of educational subject and the backwardness of educational method, etc. Therefore, it is necessary to establish and improve the laws and regulations related to Internet financial consumer education, to build an effective legal framework, to strengthen the institutional innovation of Internet financial consumer education, to realize the institutional optimization of keeping pace with the times, and to support, To encourage Internet financial industry associations and institutions to participate in Internet financial consumer education, to realize the diversification of educational subjects, to absorb and develop Internet financial education based on the concept of scenario thinking, Realize the individualized adaptation of financial education products and financial consumers.
【作者单位】：西南政法大学经济法学院;
【基金】：教育部2015年度人文社会科学研究一般项目《互联网金融监管的思维变革与制度创新》(项目编号:15YJA820 030) 西南政法大学2016年度学生科研创新计划项目《校园网贷问题及法律对策研究》的资助
【分类号】：F832

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