Study On The Legal Protection Of The Personal Financial Investors'Rights And Interests In China's Commercial Bank

With the trend of China financial integrated management, the gap of information and bargain ability between the bank and consumer is getting broader and broader. Though the bank provides more and more choices and investment convenience to the consumer, the disputes between them are increasing. In China, legislative and regulatory have already displayed defect. The have already can't adapt situation. The author puts forward some suggestion in this text aim to further the system of legislative and regulatory.This article is divided into four parts. Part one:bank consumer protection summary. Firstly, it starts with the basic legal principle of the protection of consumer's rights and interests. Come to a boundary to fix the financial consumer and bank consumer right basic concept. Secondary, explain the legal relationship between banks and consumers. Part two:During the analysis, analyze the experience of the bank consumer's protection in US and UK. the author lays the emphasis on the impact on Dude·Frank bill, conduct of business and the consumer financial dispute settlement system of UK. Part three:analyzes the current situation of Chinese bank consumer protection. It mainly deals with the problems existing in the protection process and the main reasons why Chinese bank consumer rights are infracted by examining the legislation and regulatory. Part four:perfection of bank consumer right. Suggestion and measure improving and perfecting and procedure that the main body of a Thesis has been submitted to deficiency there existing in two aspect in entity and procedure, correspondingly.