Research On The Legal Issues Of Internet Financial Consumers' Rights Protection In China

The Internet Financial is the hottest innovation model in recent years,it is a model of “people innovation,nation wide entrepreneurship ”.It provides the chance of the financial reform and innovation of our country.The frequently “e rent treasure” issues that happened in the financial markets during the year of 2015 has made this year became the lowest Internet Financial year ever since it appear.Internet Financial Consumers' rights protection has become the most important issue of concern,yet our country's Internet Financial study of consumers' rights protection is not very mature and it deserve our further study.The author uses empirical analysis and comparative analysis and other methods to explore.For some specific aspects,the author also uses empirical analysis and comparative analysis methods to study the reality of China's Internet Financial consumers' rights protection and its problems.In order to improve China's Internet financial consumers' rights protection,The author refers to the latest developments in foreign countries,and put forward their own thinking.In addition to the introduction and conclusion,the paper mainly includes the following four parts:The first part is the author defines what is the Internet Financial Consumers.On the basis of discussing the connotation and characteristics of Internet Finance,the author defines the connotation and scope of Internet Financial Consumers.Compared with traditional financial consumers,this paper analyzes the relative particularity of Internet financial consumers in the main category.The article focuses on the general legal issues in the protection of Internet financial consumer rights.The author defines the content of Internet financial consumer rights,and analysis of the legal relationship in Internet financial market and its tort and imputation principle.The second part is the problems and causes of China's Internet financial consumer protection.From the aspects of legislation,supervision and dispute settlement mechanism,the author expounds the reality of Internet financial consumer rights protection in China,and analyzes some specific problems in the field of rights protection and the specific causes of these problems.The third part is the author draws lessons from the foreign Internet financial consumer rights protection system.Through elaborating and analyzing of legal norms,regulatory system and dispute resolution mechanism of the United States,Britain and Japan and other countries in this area.The author finds a way to solve the problem of the protection of the Internet Financial Consumers' rights in China.The fourth part is the author's thinking to improve the protection of Internet Financial Consumer's rights,and it is the core content of the full text.The author advocates a sound legal system of financial consumer rights protection,and the government should set up an independent specialized legal norms and improve the protection of their special rights.We should rich regulatory model from the government,the Internet financial institutions,trade associations and other three areas.We should create a diversified dispute resolution mechanism in the field of Internet Financial,and clear the channels of dispute resolution,and try to establish the third party to resolve disputes.We should also strengthen the construction of social credit system,and introduce insurance mechanism,and strengthen the ability of Internet Financial Consumer's protection.From the above aspects,we can complete the measures of Internet Financial Consumer's protection.