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Legal Protection Of Internet Financial Consumers' Rights And Interests

Posted on:2017-10-17Degree:MasterType:Thesis
Country:ChinaCandidate:L Y WuFull Text:PDF
GTID:2336330503980850Subject:Economic Law
Abstract/Summary:PDF Full Text Request
As a highlight of China's economy in the new normal, internet finance develops very rapidly. It plays an important role in aspects like promoting the innovative development of financial products, lowering the financing cost of small and medium enterprises, boosting inclusive financial development and rationally guiding private capitals. However, because of some inherent and insurmountable weaknesses of internet financial products like virtuality and complexity, phenomenon of internet financial consumer's rights and interests being infringed happens occasionally. Protecting internet financial consumer's rights and interests effectively is the key to realize the healthy, well-organized and long-term development of internet finance. In this paper, on the basis of internet finance consumer's theoretical connotation, the current situation of internet financial consumer's rights and interests protection in China is analyzed to propose some feasible and concrete suggestions on constructing the protection system for China's internet financial consumer's rights and interests.This paper is mainly divided into several parts as follows:The first part presents the basic research of internet financial consumer protection.Internet finance's main form, concept of financial consumer and basic connotation of internet financial consumer are specifically discussed here to form a theoretical basis of internet financial consumer protection, and the particularity of internet financial consumer protection is dissected from both the object and subject to fully highlight the particularity and necessity of internet financial consumer protection.The second part, based on the actual situation of China, states the current situation of China's internet financial consumer protection's legislation and supervision, summarizes and analyzes a series of problems in protecting China's internet financial consumer, such as,information leakage, information asymmetry, blocked relief channels and consumers' shortage of professional financial knowledge and so on. These problems are analyzed deeply so that a better way to perfect China's internet financial consumer protection system can be found.The third part primarily introduces relative legislative experience, supervision system and dispute settlement mechanism of internet financial consumer protection in countries like the US, Britain and Japan in fields of legislation, supervision and disputes settlement, to draw some beneficial enlightenment for the construction of China's internet financial consumer protection system.In the fourth part, concrete ideas are put forward from aspects like determining legislative principle and legal system of internet financial consumer protection, perfecting regulatory system, developing industry associations' functions and enhancing consumer's specialized knowledge to perfect China's internet financial consumer protection system.
Keywords/Search Tags:Internet financial, Internet financial consumers, Consumer rights
PDF Full Text Request
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