Research On The Protection Of Rights And Interests Of Internet Financial Consumers Of P2P Mode

P2P network borrowing as a representative of the wave of financial innovation in the Internet,in our country are new emerging things,there are a big differences between its characteristics,patterns,service objects with the traditional financial lending model.However,due to its high rate of return,low investment threshold,liquidity,convenient procedures,easy operation and other advantages,the rapid development momentum,a considerable number of people involved.However,by the impact of China's hierarchical,sub-sectorial and subject-oriented financial regulatory system,the state's supervision is difficult to meet the actual needs,P2 P financial industry risk events occur,resulting in the protection of Internet financial consumer rights is particularly urgent.This paper explores the basic principles and related trends of the Internet financial consumer protection legislation in the P2 P mode of Internet financial consumer rights protection,and lays a theoretical foundation for the protection of Internet financial consumers' rights and interests,so as to pave the way for internet financial The author puts forward the dilemma of protecting the rights and interests of Internet financial consumers in China,and finally puts forward the countermeasures to protect the plight of Internet financial consumers.Based on thses,the main contents of this paper are divided into the following parts:The first chapter is the basic theory of Internet financial consumer rights protection,mainly introduces the concept of Internet financial consumption.And analyzes the rights and obligations of the Internet financial parties.The second chapter expounds the particularity of Internet financial legal liability,discusses the principle of imputation of Internet financial tort liability,and puts forward the particularity of Internet financial dispute and its solution to the predicament.The third chapter elaborates the three basic principles of the protection of Internet financial consumer rights and interests,the protection of Internet financial consumers 'rights and interests,and the author's review of the obligations of Internet financial platform operators and consumers' rights and interests.The author puts forward the main problems of China's Internet financial disputes,and introduces the ADR and ODR dispute resolution modes from the foreign experience.In the final conclusion,the author puts forward the balanced and harmonious legislative idea for the protection of consumer rights in the Internet financial field,and discusses the suggestions for perfecting the legislative technology.