Research On Financial Consumer Rights And Interests Protection

Content：The financial consumers are important subject of financial markets,theirrights and interests should be protected effectively.But from the actual situation,financialconsumer have been violated.After the crisis in2008, financial consumers protection wereputting on the agenda.United States as one of the developed countries begins to find theimportant of protecting financial consumes and improve the measures of protecting.Othercountries should learn.Especially,china is in times of financial transition,strengtheningfinancial consumer protection is an important part of financial reform.It is conducive to thedevelopment of the financial market and maintain financial stability.It is also main topromote social harmony.This paper puts the "great depression" in1929-1933and subprime mortgage crisis asthe time point，the U.S.financial consumer protection is divided into four stages：before1930s, financial consumers protection is fragmentary.From1930s to70s, many laws areformulated.But1980s,financial consumers protection is ignored.Fortunately,the protectionof financial consumers is innovated towarding one direction after the subprime crisis.And then,the paper analyzes the current situation of financial consumer protection inchina.There are many problems of consumers protecting,such as no legal protection,lacking of effective coordination between financial consumer protection department;nocomplaint channel;financial consumers can not get knowledge about finance.Combingwith financial consumers protection in Shan xi Province,improving financial consumersprotection need to constantly measures.These include developing a unified financialconsumer protection laws and strengthening coordination pattern of the People’s Bank.It isalso important to smooth channels for complaints of financial consumer and emphasis onfinancial consumes education.