The Research Of Banking Consumer Protection Issuses

The banking sector as the leader of the financial industry, is the most frequently touched body who meet cosumer’s financial needs. Based on the banking sector’s inherent characteristics of professional and complexity and banking continues to be the monopoly status, The consumer of bank’s protection is still incomplete, there are many problems, this article listed several infringing acts of banking which reflects strongly in practice(Financial discrimination、Wrongful induction Exaction of fees and Format contract contained unfair items).this article propose some legal regulationgs based on theoretical analysis and introduction of the other countries’experiences., and expected to benefit our legislative and judicial work in future in our country. At the same time, the infringing acts also reflects the bad situation of consumer-right protection in china, there are three main reasons:first,the influence of pressured financial system in china; second, the biased ideas of supervision agency and banking service consciousness problems; third, the shortage of finacial legislation.To improve the status of the consumers and the system of the protection legislation, we should do as follows:first, perfecting the finacial legislation including special finace and judicial relief,second, Improving the organizational guarantee, with establishing three levels consumer protection system:Government regulation, Self-discipline and non-governmental organizations in consumer protection, To construct comprehensive system of consumer protection.