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

The emergence of internet finance has achieved the depth of integration of the internet innovation and traditional financial industry.It is conducive to stimulate the market innovation ability,create a new format,innovative service model,and provide a new engine for economic development.In recent years,illegal fund-raising,network fraud,information disclosure,credit black market and other exposed in the bottom of the industry,"gray ecology" continuous fermentation.It has damaged the interests of the disadvantaged groups of Internet financial consumers.If ignore these "gray ecology",it is bound to corrode to the overall environment of the internet finance and seriously cause the turmoil of internet financial industry.Therefore,it is important to carry out a wide range of internet financial remediation activities and all-round protection of Internet financial consumers.It is conducive to squeeze illegal business space,forcing to improve the quality of financial products or services and provide a better quality of the user experience for consumers and guarantee the internet financial sector sustained and healthy development.This article mainly includes four sections:The first part is the theoretical overview of internet financial consumers.This chapter mainly discusses the main models,innovations,risks and the basic rights of internet financial consumers,the legal basis and the necessity of protection.They can highlight the importance of improving the protection of internet consumers' rights.The second part expounds the current situation and problems of the legislation and supervision of the internet financial consumer rights protection from the actual situation in China,aims to explore a path of the internet financial consumer rights protection in China.The third part mainly introduces the beneficial experiences of the protection of internet consumers' rights and interests in the United States,Britain and other countries from the aspects of legislation,supervision and dispute resolution mechanism,so as to provide the direction and inspiration for the construction of the protection system of internet financial consumers' rights and interests in China.The fourth part mainly from perfecting the legislative system,regulatory system,disputeresolution mechanism,popularization of financial knowledge and other aspects of the specific measures of the internet financial consumer protection system,calling on internet financial institutions to return to "financial craftsmen" spirit to promote the benign and sustainable development of the internet financial industry.