To Improve The Financial Consumers' Rights And Interests Protection In China

Since the nineteen seventies, the international new latitudinarian gave birth to the financial liberalization trend, the financial industry to mixed operation, deregulation constraint also became the main tone of the financial supervision. Practice has proved, deregulation can not effectively deal with the financial crisis triggered by a variety of problems. In2008the outbreak of financial crisis, financial supervision of the main tone by the past "freedom to relax" reform "strengthen supervision". It is generally believed that financial regulation failure, especially the financial consumer protection system is not perfect is the leading cause of crisis important reason. USA, British and EU has promulgated a number of financial regulatory reform bill law, establish and perfect the legislation of financial supervision system, increase financial consumer protection strength, strengthen the system of risk supervision. China is a developing country, the development of the financial industry is not good, legislation system is not perfect, competition of financial market is not sufficiently opaque, information asymmetry in the financial market, relationship of financial enterprises and financial consumer is administrative etc, consumer rights and interests protection is insufficient, it further hinders the healthy and orderly development of the financial industry.In the paper, according to "Twin Peaks supervision","External effects","Public goods " such as the theoretical basis, using comparative analysis, historical analysis, case analysis, legal and economic analysis of a combination of research methods, to the domestic and foreign related financial consumer rights and interests protection system and basic theory, Chinese financial consumer rights and interests protection system and the main problems, the development experience and inspiration of the developed countries on the financial consumer protection system, the direction of Chinese financial consumer protection system reform and improving, drawing the conclusion that there are many problems need to further reform and perfect in our country financial consumer rights protection system, putting forward reform of China’s financial consumer rights protection system, to establish and perfect the financial consumer protection laws and regulations system, integrating reasonably "One bank and three guilds" supervision model, set up a special protection mechanism, forming a perfect and effective financial consumer protection system.