Legal Research On The Protection Of Financial Consumers Rights And Interests In China

Financial consumers are an extension of the consumer in the field of finance, with the property of the general consumer. Along with the field of financial innovation and the continuous deepening of reform, the financial products and services presented diverse and complex trend, financial consumers and ordinary consumers differ more outstanding, become a pressing matter of the moment to give special protection of financial consumers. The countries with developed financial system generally have established a relatively perfect mature legal system and financial consumer protection agency. In contrast, our country’s legal protection in interests of financial consumers may be said" potential single power of thin". In order to effectively protect the legitimate rights and interests of consumers, should be based on present situation of China’s financial consumer rights and interests protection, to learn from the financial industry the mature experience of the developed country, through the framework of financial protection of consumers’rights and interests related to the legal system, to expand the consumer financial relief way, strengthening the effective supervision on financial system and a series of measures, to construct a set of suitable for the condition of our country and comply with the financial sector development trend of the financial consumer protection system, promote the steady development of China’s financial market.In addition to the introduction and conclusion, this paper is mainly divided into four parts to discuss:The first chapter of the financial interests of consumers of legal protection of the basic principles, defines the financial consumer meaning, through the comparison of financial consumers and the general consumer’s different, of the financial characteristics of the consumer, based on in-depth analysis to financial consumers to provide special protection of legitimacy;The second chapter of foreign financial consumer protection law system study, respectively on the United States of America, EU financial consumer protection law system and the present situation, the two mature financial consumer protection system inspection, for our financial consumer protection law system construction of foreshadowing;The third chapter of our country financial consumer protection legal status and problems, firstly summarized our country financial consumer protection law system profiles, and to explore the financial consumer protection in legislation, supervision mechanism, remedy deficiencies, to the point, to perfect our financial consumer protection law system.The fourth chapter the perfection of our country’s financial consumer protection law system is proposed, according to the third chapter of the financial consumer protection legislation is not perfect, financial regulatory loopholes, consumer financial relief rights can not get effective exercise three big problems, combined with foreign financial consumer protection in the aspects of the mature experience, construct our country finance the development of the actual financial consumer protection law system.