Research On Legal Protection Of Financial Consumers Rights And Interests

With the continuous development of financial market, financial consumer protection issues areon the agenda. For the legal issues of financial consumer protection is divided into macro, micro twoaspects: macro direction is mainly carries on the analysis to the financial status of consumerprotection, mechanism, micro is the main direction of the rule of law, the consumer rights protectionin the judicial relief way of research and analysis. In this paper, starting from the concept of financialconsumer definition, legal rules and system focuses on financial consumer protection from the microlevel.This text is divided six chapters:The first chapter summarizes the theory of financial consumer protection. Defining the problemthis chapter mainly solves the concept, financial consumer protection must first clear concept offinancial consumer and financial consumers, the connotation of financial consumer characteristics andconsumer is the basis and premise of making and using a few chapters after the financial consumerrights and interests protection law.The second chapter financial consumer protection law rule one: financial obligation ofexplanation. This chapter describes as one of the financial consumer protection rules of lawexplanation obligation, emphasizing on the concept, content, objective explanation obligation, way,exception, legal consequences and other specific legal rules, determination and application and therule of law.The third chapter financial consumer protection law rule two: the obligation of informationdisclosure in financial industry. This chapter describes as one of the financial consumer protectionlaws and rules of the obligation of information disclosure, analyzes emphatically the obligation ofinformation disclosure concept, content, exception, legal consequences and other specific legal rules.The fourth chapter financial consumer protection law rule three: confidentiality obligations offinancial sector. This chapter describes as the obligation of confidentiality of the financial consumerprotection rules of law, rule of law concept, focus on specific analytical confidentiality obligationsapplicable object, time, scope, exception.The fifth chapter financial consumer protection law four rules: the principle of suitability. Thischapter discusses the rule of law as the core of financial consumer protection--the principle ofsuitability. Through historical research, comparative research, standardized research methods, the principle of suitability of our thinking and construction.The sixth chapter financial consumer protection law rule five: regulation rules and to act calmperiod. This chapter focuses on the sale of financial products in the process of the cooling off periodrules and regulation for non invited to act and to induce behavior.