Study On The Legal Protection Of Financial Consumers’ Information Right In China

Information society has established the developed information network, in the flow of information, the value of information gradually developed by humans.Information resource has become an important production resources after the material resources, energy resources.In the information age, possession of information become a very important part to win in economic competition. At the same time, the security of high-profile information resources has also been a great challenge, especially when it comes to the information of financial consumer,the dangers of ignoring the protection of information rights tend to be more serious.In the face of the powerful financial institutions financial consumers have special weak position that different from ordinary consumers, in serious information asymmetry, for achieving substantive justice, more and more countries begin to pay close attention to the protection of local citizens’ information right, and formulate the relevant laws and regulations, the protection of information rights would gradually into the orbit of the rule of law.At present, the legislation about financial consumer information rights protection in our country is not perfect, it is necessary to strengthen the protection of the right of consumer financial information, both theoretical and practical circles should expand the field of vision, based on the experience of the advanced countries outside,improve the path of China’s financial consumer information rights protection, safeguard the legitimate rights and interests of financial consumers.This paper is divided into five parts:The first part is introduction, narrate research background, significance, the related literature review, the research methods, research ideas, research content and the structure arrangement of this article.The second part is the overview of protection the right of consumer information.This part, first of all,analysis the basis theory of protection the financial consumer, the asymmetric information theory, consumer weakness theory and substantial justice theory;Secondly expounds the connotation and denotation of the financial consumers;Inthe final analysis the concept of financial consumer information rights and its property.The third part is China’s status quo of protecting financial consumer information rights.First introduced the challenge of our country about financial consumer information rights protection;Second analysis problem of financial consumer information rights protection in our country, mainly from three aspects that the imperfect laws, the imperfect regulation and limited rights relief way.The fourth part outside system inspection and enlightenment to our country.Mainly introduced financial consumer information right protection of the United States, the European Union and Japan and other developed countries and regions, analyzes the Enlightenment of outside relative system to our country.The fifth part to perfect our financial consumer information rights protection path.First, consummates the consumer financial information rights protection legislation,mainly form the legislative model, clear the principle of legislation and perfect the legal system; The second is to strengthen the supervision and management of the financial industry, changing concept of financial regulation, improve the financial regulatory cooperation mechanism;Third, play a role of financial industry self-regulatory organizations and social organizations;Fourth, strengthen the financial consumers’ rights consciousness; Five is to perfect the diversity of information rights dispute settlement mechanism.