Study On The Protection Of Consumer Rights And Interests Of The Personal Financial Management Business Of Commercial Banks

In recent years, with the development of economy and the enhancement of the concept of public finance, banking individual wealth management products has become a mass consumer's pet, a fierce competition is China expansion like a raging fire.But in addition to the interest rate and attention, the majority of consumers for a variety of today's financial markets on the product hidden a superb collection of beautiful things, mode of operation, the whereabouts of funds, the risk is not know.Even a poorly understood, consumers are driven by the high income, and no specific protocol rule, too much attention to the purchase of financial products, funds for the safety of their is to know nothing at all.This leads to the consumer's right to know, even bargain rights and property rights loss, reduces the self protection ability.These rates have higher product its interests how to produce, what risk, whether adverse impact on financial markets, are more problems and hidden dangers in the interests of the people to ignore.And consumers in the rights and interests are infringed upon and difficult to obtain effective relief, how to avoid becoming a victim of consumers in the competition to be solved.In October 31, 1993 through the "Consumer protection law of the People's Republic of China" and the new law implemented in March 15, 2014.In 2014 the introduction of the new law, the original regulations was improved, mainly focused on the protection of consumers, after a change of legal status between businesses and consumers unequal rights, provide consumers with more confidence.To safeguard the interests of consumers, to resolve consumer disputes, has made the tremendous contribution against illegal acts against the interests of consumers and increase consumer rights awareness.However, the phenomenon of the legal issues of consumer protection laws of personal financial business of bank competition rights of this new lack of pertinence to protect certain.The mass was immersed in a high yield in the joy they produced no risk concern and rational thinking on this phenomenon.For the financial law, market management law, consumer protection law and the anti unfair competition law and other legal norms and legal system to keep pace with the times and also has great significance to improve it.It is in this context, the author chooses to research bank personal financial field of consumer rights and interests protection.And in the course of study to make full use of theory with practice and other methods, to improve the protection of the rights and interests of financial consumers to make a ponder.The paper is divided into five parts.The first part, firstly on the field of bank personal financial consumer definition, at the same time, also introduced the financial interests of consumers form, and property rights, the right to know, even bargain rights and claims are emphatically introduced.The second part, elaborated the bank personal financial consumer rights and interests protection significance, carried out from two aspects of theoretical and practical discussion.The theory value, respectively, from the jurisprudence of fairness and justice and order of consumer sovereignty and asymmetric information, the social stratification theory to consider three aspects.The realistic meaning, by total structure, starting from the consumer protection generalized significance, and then discusses the significance of the protection of financial consumers.The third part, introduce the current situation of bank personal financial consumer rights and interests protection.The first is the legislative status quo.From the anti unfair competition law, consumer protection law and the relevant regulations of the CBRC stated.And then discusses the current situation of protection of the rights and interests of the existing problems, mainly discusses the responsibility loss mechanism, pricing and complaints and education system.The four part, introduces the international experience of bank personal financing business of consumer rights and interests protection reference.Were introduced in Europe and America, British and international organization protection system and measures of financial consumer, also caused the thinking of international experience to China's Enlightenment.The fifth part, the rational thinking of personal financial consumer rights and interests protection of our country's banks.Including the legal regulations on the perfect target and specific measures and related institutional measures suggestions and Thoughts on the two part of it.