Research On Financial Consumers Protection Legislation

Financial consumers are a new weakness objection of financial activities in the development of modern financial market. From 70 th and 80 th in the last century, The problem of financial consumer protection legislation o is still a problem focused on for aboard in the development of current financial market. After the financial crisis in American 2008, with the legislation of a series of financial consumer protection law, the problem of financial consumer protection legislation is valued by every government aboard again. In the development of our security market,with the appearance of financial consumers in our current security market gradually, the improvement of risk of financial products information, giving a higher requirement for our current security law in some extent. The legislative reinforcement of financial consumer protection in our security law, it becomes a primitive mission for financial consumers in the stable development of our security market.The article is aim to the financial consumer protection legislation as a discussed core, treating our security law as a discuss subject, researching the legislative problem of financial consumer protection in our current security law. In the essay, pointing to the legislative drawback of financial consumer protection in our security law, the writer is base on the legislative perfect design according the financial service legislation in our current research field,writer thinks our security law should keep the outstanding aspect of self –legislation in every financial field, making full use of the legislative experience of country aboard and our main research opinion, according establishing a effective legislative perfect measure of financial consumer protection in our current security law, it makes a legislative perfect activity of financial consumer protection in our security law. In the essay, in order to discuss the legislation problem of financial consumer protection in our security law better, the essay will adopt such a research logic to research the topic:At first, making a clear conception of consumer and financial consumer,, according using the relative economic theory and academic suggestion in our current research field, the writer simply discusses the economic theory basement and basic principle on the financial consumer protection legislation..Then, according a spreading about the financial consumers legislation analysis in our current security market, the writer is focus on the researching of the legislative drawback on the financial consumers protection in our security law; and pointing to the partly legislative drawback on financial consumer protection in our security law, the writer is base on the respective essaying on the financial consumer protection legislation by American、British and Japan, researching a legislative experience for our security law respectively.In the end, pointing to the legislative drawback of the financial consumer protection legislation in our security law,, according the legislative experience analysis for countries aboard and main academic opinions in our research field, writer give some individual legislative perfecting suggestions for the financial consumer protection in our security law.