Analysis On Guarantee Mechanism Of Financial Consumer Rights And Interests Procedural Law

With the rapid development of the global economy, financial products like the ordinary consumer products go into the family. People began to accept and think about how to get more profit from it. With the good momentum of development, in2008the first began in the United States Wall Street of the financial seems strong strength to this nascent sounded the alarm. The world’s major economies including China Getting out of the financial crisis in the economic recession and financial regulation of "chaos" state,also notes allow to ignore the root cause of the financial crisis hat regulation of financial regulators is not strict, so that financial institutions use credit which leads to financial consumers take a lot of credit risk. In this context, On financial consumer protection issues, began to greet. This paper is divided into four parts:The frist part, Is the evolution of China’s financial consumer protection legislation. In view of our country from the founding of the early reform and opening and modernization now, China’s financial consumer protection laws in the history of the development of carding, this is conducive to induce consumers to protect our financial development path and direction.The second part, The program of financial consumer relief system in our country the problems, According to the mechanism of non litigation settlement mechanism and in the civil action system, may appear the flaws in the program design of financial consumer protection in the procedure. Find the problem to solve the problem. The third part, Here a combination of Britain, Japan, Germany and the relevant procedures, summed up several disputes settlement mode Through the understanding of the situation abroad, combined with China’s specific national conditions, take the essence to its dregs. Provide advice for us to perfect and construct protection mechanism of financial consumers.The fourth part, Based on the comparison, aiming at the existing consumer protection of our financial problems, respectively, puts forward the relevant suggestions of improvement, and proceeding from national conditions of our country, put forward the realistic choice to improve consumer protection system and future choice.