Study On Several Legal Issues Of Financial Consumer Protection In China

In recent years,with the vigorous development of China's socialist market economy,the financial market has been showing a thriving scene,the field of consumer financial space continues to expand,continuously improve consumer level,financial products and service types are more and more diverse and stakeholders,to buy financial products,financial services have become an important way for people to engage in economic activities and daily life.However,the financial consumer infringement often traced to financial consumers,gradually attracted the attention and concern,the main reason is the general financial consumers do not have professional financial knowledge you need,in a relatively weak position in the process of trade and financial institutions,must obtain illegal interests,or to reduce the market risk and contract risk our financial institutions,the financial interests of consumers are more likely to suffer from.At present,the relevant laws and regulations in China's financial consumer protection is not perfect,therefore,after a dispute,the interests of financial consumers often do not get legal protection,the damage to the interests of the increasingly serious problem of financial blow to consumer confidence,undermine the stability of the financial market.In this regard,it is necessary to explore the legal issues related to the protection of financial consumers,to better safeguard the interests of financial consumers,maintain the order of financial markets.These questions include: what part of the financial consumer groups? What are the differences between consumers and ordinary consumers in the financial sector? What rights should be protected by the law in the process of financial transactions? What is the theoretical basis for the protection of the rights of these groups? What are the deficiencies of the current laws and regulations in the protection of financial consumers? How to effectively make up for these deficiencies? Wait?To solve these problems,this paper will carry on consumers in financial field of our country against the phenomenon analysis,key problems and find out the damage of the financial interests of consumers,the use of legal tools to analyze these problems,find out the deficiency of the legal system in China's current stage and coping strategies,to explore financial consumer protection path has feasibility.The main contents of this paper are as follows:The first part is an overview of the definition of the concept of "financial consumer".In this part,the difference between consumption and consumption,financial consumers and financial consumers,focusing on the issue of financial consumer definition were analyzed and defined the concept of financial consumers,to solve the problem of starting point of financial consumer protection.The second part is about the analysis of the financial consumer rights system.It includes the concept of financial consumer rights and the rights of financial consumers,which is protected by law.The third part is the theoretical basis of the protection of financial consumer rights and interests.This paper expounds the principle of financial consumer protection from two aspects of economic theory and legal theory.The fourth part is the study of financial consumer protection in China.Including China's financial consumer protection status,problems and recommendations of the three part.According to China's financial consumer rights protection and the status of civil and commercial law,administrative law and financial industry association exists in the protection of the financial interests of consumers,with practice,puts forward some suggestions for China's financial consumer rights protection.