On Legal Protection Of Financial Consumer's Interests

As the national financial wealth increases, financial consumption has become a more and more people part of everyday life. However, insurance claims, it is difficult for easy credit card exists no-trade clause, the stock market has a "black lips" misleading...... As people in financial investment ideas, strengthen financial consumption is penetrating to daily life field, from the traditional deposit, to the spending is becoming popular consumption, the bank on the net trades, and cast, buy or sell stock funds, the social public in and financial institutions in the process of dealing, play a "financial consumer" character, all kinds of financial consumption disputes have been gradually increasing trend also. Financial the consumer rights and interests protection and the activity has been the social from all walks of life including financial industry operators and consumers, ignored financial consumer rights and interests suffer from improper violations of examples also begin to occur repeatedly. For the financial legal protection of the rights and interests of consumers, whether domestic or abroad, theoretical research are weak; relative Especially in our country, the existing research results is uneven, and the level of some of the most basic concept, category has not yet agreed to know, no doubt in the practice of the business activities of regulating financial operators, to protect the financial the legitimate rights and interests of consumers with great difficulty. Financial securities market false statement phenomena frequency, the insider trading everywhere, the financial consumer contract his no-trade clause, the phenomenon of great financial loss in legitimate rights and interests of consumers, the theoretical study of really does not mean that the lack of practical cases when, it is because in the practice of a lot of legal issues, just to be the guide and support of the theory. Therefore, this paper attempts to use the concept of financial consumers and its right to explain the analysis financial crisis in the financial consumer right the root of the victims, and based on which, some financial protection of consumer rights and interests of the legal system and principles in these principles, guidelines, under the guidance of specific and practical legal system structure, and finally realize the protection of consumers' legal rights financial law profit target.The first part of this paper is about the consumer financial concept definition. For what is a financial consumers, academic and practical circles have not form the understanding of the unity, no doubt caused the financial consumer protection theory support the shortage of financial situation, the protection of consumer rights and interests of the theory of the challenges facing many legitimacy, this part of the concept through further confirmation, in order to form a unified cognition.The Second part is about financial consumer rights. Legal protection of financial consumer rights and interests of the most important part of the system is part of the provisions on consumer rights. For the power of the confirmation of the operator can regulate financial behavior for consumers seeking support financial relief.The third part is about financial protection of consumer rights and interests of the legal system principle guidelines. The principle is any one of the legal department of the most highly spirit connotation embodies the protection of consumer rights and interests, the financial legal system for the principles of the construction of the concrete system can provide theoretical relying on the construction of the guidance and.The fourth part is about financial consumers' rights and interest's protection system construction. This section is the most an essential part, this paper mainly through the three small concrete expansion to seek its system supply the rationality and sufficiency.