The Research On The Protection Of The Financial Consumer

:In our Chinese financial market, the financial industry's rapid development makes the financial consumer goods and financial services and general consumer relationship more closely, even become part of their daily consumption. In addition to securities investment funds, the bank financial products and insurance and other traditional financial products, financial products innovation, financial derivatives are also more and more into the financial consumption and for the vast number of consumers generally accepted. As the number of transactions increased, the consumer rights and interests have been infringed problems also showed a rapid expansion of the trend. However, in many violations of financial consumers'rights events and before the problem, our country law system is not perfect. The only "consumer protection law" only to the market economic activities in consumer rights plays a general role in standardizing and guiding, is not enough to cope with the increasingly complex financial consumption legal relationship; in addition, the financial consumer whether to belong to the traditional sense of consumption, can be applied to "consumer protection law" also has a greater dispute. At the same time, in the "people's Republic of China Securities Investment Fund Law","people's Republic of China Commercial Bank Law of the people's Republic of China","insurance law" and other laws for financial consumer protection regulations is too principle, the lack of operability. On liability rules are mainly of criminal liability and administrative liability, this in order to safeguard the lawful rights and interests of financial consumers realize caused some obstacles. Therefore, in this study the financial consumer rights protection way, perfect the corresponding legal system to promote China's financial market benign development has double meanings of theory and practice.