Research On Protection System Of Financial Consumers Rights And Interests

Finance industry is the core in the country’s economy system, which play an importantrole for the national economy stability and development. At present, it’s an obvious trend thatfinancial commodities get more professional and its operation gets more blending, whichprovide more and speedy financial service for consumers. While back of the prosperous, moreand more financial consumer’s rights were harmed. The one reason is rooted in the naturalinferior of financial consumer in front of financial institution; what’s more, it should be thedevelopment lag of China’s financial consumer right protection system. Many countries haveenhanced their financial consumer rights since the subprime crises,2008, here financialconsumer as research target, how to set up a complete and China-adapted financial consumerright protection system will be discussed, and the thesis should include the followings:First part is Introduction. On the basis of thesis background and research meaningclarified, the present research situation of financial consumer right protection system of boardand in China will be introduced, also includes their author’s research content and methods.Second part is the general problems exist in the right protection. Premise and define thefinancial consumer identity and his right to know, right to fair trading, privacy right, right toeducate, right to relieve, the thesis discuss its theory basis and the basic principles shoulduphold.Third part is the situation and existing problem at present, from the views of, legalsystem, right realized system, supervise system, dispute settlement mechanism, to introducethe situation and analyze the prominent problems in systems.Forth part is the aboard financial consumer protection system introduction andinspiration. The paper analyzes the system and its practice of Britain, United Stated ofAmerican, and Japan, try to explore the inspirations for China.Fifth part is the system improvement for China. On the basis above, aim at the China’ssituation and combined with the aboard experience, the paper put forward the improvedsuggestions from the point of legislative, legal, supervise and diversified dispute settlementmechanism, expects to realize the systematical protection for China financial consumer right.