Security Issues Of The Financial Services Industry, Consumer Research

The financial services plays an important role in country's economics, and closely linked with the people's daily life. consumer's security problem of finanancial services becomes serious because the consumer's weak status of activity in trade, the factor of law completion,etc. Our country has not institute complete consumer's safe security system so far and it needs to comsummate in theoretical research, which makes security question of probing into the consumers of financial services have extensive theory meanings and practical value.The article is divided into four parts altogether.Part one, Security summary of the consumers and the financial services . The author defines relevant concepts such as financial service, consumer, enumerates the type of the safe problem, analyses consumer's safe characteristic of financial services and analyses main problem that exist among every business too. At last, introduces legislative overview on consumer's security of financial services both at home and abroad.Part two, Legal principle basis of consumer's security of financial services. By utilizes the General principle, civil law principle, commercial law theory, theory of law economics on consumer's security of financial services industry, to enlightenment solving consumer's security problem of financial services and support the theory.Part three, Legal measure of consumer's security of financial services. The author combs property and measure of the security of financial services from deferent aspects. The author believes banking security obligation is a blending liability, and in terms of consumer, the author explains one's own obligation that should be undertaken correspondingly in according to the responsibility principle of the strict liability. The author analyses the guarantee function to the consumers of financial services and judicial organs about the security of financial institution of foreign countries and our country.Part four, Suggestion on the relevant legal construction of our country. The author describes improving the relevant legislation of our country, strengthening the corresponding financial administrative supervision management and guide of relevant judicial activities mainly from. The author carries on the discussion in relevant legislation, respecting of mainly legislating from contract law, Law on the Protection of Consumers' Rights and Interests, e-commerce law will, etc. It can draw lessons from the mode of the...