Research Financial Products Financial Consumer Protection System

With the development of the financial industry, the bank financial products gradually come into the lives of ordinary people.Relative to the rapid development of financial products, the legal institutional framework has been slow to set up.Combined with the absence of the legal,lagging regulatory and other factors,the number of legal disputes of financial products trends upward in recent years. Financial consumers are in a weak position relative to financial institutions,while the existing legal framework is difficult to provide strong protection for them.Thus, the author did the research in the world’s financial system of consumer protection as well as the financial trends of the consumer protection issues, hoping to provide a theoretical and institutional support for the protection of financial consumer of financial products.Chapter Ⅰ one is about the discussion on the legal relationship of the bank financial products, and the controversy over the concept of financial consumer from a theoretical point of view. The legal relationship of financial products should be identified as financial consumer relations. The concept of financial consumer should be limited to natural person. Individual investors also should be involved in the protection of financial consumers.Chapter Ⅱ analyzes the banking misconduct in the KODA financial products cases.This part alse summarizes five legal problems to be solved in the field of financial consumer protection in the area of financial products.Chapter Ⅲ,puts forward nine recommendations from two aspects of the prevention and legal remedies, to improve our financial consumer protection system in the area of financial products...