Financial Consumer Protection

Financial market is an important part of the national economy, connect each department and regional, in modern economic life plays an important widely role. But in financial market, financial consumers have been disadvantaged. Especially along with the financial sector reform, international financial integration deepened ceaselessly, derivatives of continuously introduce created an unprecedented economic prosperity. Due to the complexity of financial products, increasing the financial risks, and reduce the stability of the financial system, and most do not have the professional consumer financial knowledge, lead to consumption will rights protection. Without effective Hence requirements through legislation, the state administrative means, industry self-regulatory organizations and strengthening the supervision of financial markets such as the means to maintain stable healthy development. For the better development of financial market, developed countries generally established mature legal system and consumer protection agency. And our financial consumer protection is still in the blank stage. In order to reasonable and effective to protect the financial the lawful rights and interests of consumers should use developed country advanced experience, through improve legislation, establish special protection agency, through the self-discipline organization, establish and perfect the mechanism, strengthen to consumer complaints of education. To grope for discussion out to China's national conditions of financial consumer protection system, promoting the healthy development of financial market stability.This paper points 21000 words, were four chaptersThe first chapter, financial consumer law protection concept to the average consumer, from the deep analysis of research contents of financial consumer average consumer and financial consumers in China are analyzed, generalization, analyzes the financial consumer market, protect the financial legal rights and interests of consumers political, economic and legal factors.In the second chapter, protect the financial consumer market for foreign carding explores respectively, England, Japan, America's financial situation, and the protection of consumers' rights to its similarities from financial industry were summarized, the mature experience of developed countries, through improving the legislative, administrative means setting up special protection agency, self-regulatory organizations way to strengthen the effective supervision of financial institutions.In the third chapter, analyzes the financial the protection of consumers' rights and social resistance but factors and protection system system defect, reveals the financial consumer rights of failed to get sufficient protection responsible.In the four chapter, our financial the protection of consumers' rights and the construction of legal system in the financial sector, the perfection of the consumer protection shall be formulated by the proposed statute law, gradually realize consumer protection for financial institutions, and the strict supervision measures, fully mobilize all factors on financial consumer safeguard. Based on consumer center for economic structure, establishing perfect complaints system, so as to convenient consumers get timely and effective judicial relief.