The Research On The Commercial Interests Of Consumers Of Financial Products Legal Protection

In recent years, with the rapid accumulation of national wealth and national financial awareness, financial products business grew rapidly. However, with the rapid development of wealth management business in the bank, relevant laws, supporting systems is far behind the pace of its development, resulting in financial products market disorder, damage to the interests of consumers is becoming more prominent. At present, in the existing legislations, there is no unified standards among financial product consumer rights and interests protection, only scattered in supervision department issued by the relevant provisions of related documents, to administrative rules, and not to specific standards as well as the negative legal consequences, is not conducive to financial product consumer rights and interests protection.In this paper, from the visual angles financial product consumer rights and interests protection, with the main problems of wealth management products in China market as the research object, the cause of the vulnerable products consumers’ rights and interests of legal analysis, on this basis, the useful experience compared to developed countries financial market, from the legislation, management of commercial bank itself Suggestions, administrative supervision, the right remedy. Specifically, the legislation should be clear of legal relationship trust financial products; develop a specialized financial products to protect the legal interests of consumers, clear definition of consumer financial products, specifically the rights of consumers of financial products range; establishment of specialized consumer finance business by protection agencies. The management of the banks themselves should strengthen banks’ risk self-control, strengthening of financial products promotion, sales, operation, termination phase of standardized operation; administrative regulation, should improve the access system and the financial regulatory system; final authority should establish a multi-level relief system so that financial products disputes will get resolved efficiently.