Jixi Banking Consumer Administrative Protectiong

The problem of the banking consumer rights administrative protection is one of the social and economical problem in Jixi, which is more and more important. How to institute just rules to keep the longevity the banking consumer rights administrative protection is an important problem, which is not answer completely in theory and practice. In government control performance perspective, analyzing the status quo 、 problem and root of the Jixi banking consumer right administrative protection, giving some suggestion, is very important for the banking consumer right protective theory and practice.The problem of the banking consumer rights administrative protection ultimately is the control ability of the banking consumer rights administrative protective authorities, which is the focal point of the thesis. By the questionnaire survey、 case study method, combining the data of the banking consumer rights administrative protection, which comes from Jixi field office of CBRC from2009 to 2014, the thesis deeply analyses the problem of the Jixi banking consumer right administrative protection, and advise that the low control performance of banking consumer right administrative protective authority is the key factor.Jixi field office of CBRC plays an important role in the banking consumer rights administrative protective, as the banking consumer rights administrative protective authority. By the supervision idea、control ability、division of earning and control cost aspect, combining the data of the banking consumer rights administrative protection, which comes from Jixi field office of CBRC from2009 to 2014, the thesis analyses the policy and role root, and advise that the main reason of Jixi banking consumer right administrative protective problem contains the control idea deviation 、 weak fundamentals of law 、 lacking supervision ability、unbalanced division of earning、limited control cost.Combining the concrete issue and the root of the banking consumer rights administrative protection, the thesis investigates the typical approaches of several countries and areas, finds that some counties improve the banking consumer rights administrative protection by establishing and improving thebanking consumer rights administrative protective system, balancing private interest and public interest, enhancing information disclosure, educating the banking consumers, structuring ADR to reducing the cost and so on. The thesis summarizes the experience and lesson about banking consumer rights administrative protection.In all, considering Jixi banking consumer rights administrative protection trend in the future, the thesis advises to establish the permanent mechanism of the banking consumer rights administrative protection, by establishing the role system of the banking consumer rights administrative protection, the balanced mechanism of private interest and public interest, the powerful administrative relief mechanism, cost-efficiency system and so on.