Research On The Soft Law Protection Of Internet Financial Consumers' Information

Recently,with the development of science and the popularization of computer technology,the Internet Finance becomes booming,including the Third party payment,Network lending,Stock right,Finance of internet consumption,Internet Fund,Internet Insurance.However,while enjoying the rich and convenient life of the development of science and finance,we can't ignore that the risk of consumers' information is more serious.Now,there is no unified concept of Internet Financial Consumers in China.And there is no formal legal document that specializes protecting the information of Internet Financial Consumers.In practice,the traditional protection pattern of hard law is difficult to completely solve the problem of consumers' information protection in the field of Internet Finance.In fact,the soft law has the characteristics of flexibility,responsiveness,democracy and so on.If the soft law is combined with the consumers' information protection in the Internet Financial field,it can touch the field that the hard law can't touch.This paper combines the methods of empirical research,normative research,comparative study and literature research.On the basis of the current development of Internet Finance,and taking the consumers' information protection as the research object,on the basis of analyzing the current situation and deficiency of the consumers' information hard law and soft law protection in China.Drawing lessons from the conservation models of the United States and the European Union,finally,it provides feasible suggestions for improving the protection mode of Internet Financial consumers' information in China.First,on the basis of a comprehensive comparison of all views,this paper gives a clear definition of the basic concept of Internet Financial consumers and their information protection.On the basis of this,the current situation of hard law in China is analyzed.Through the analysis of two protection paths of hard law and soft law,it points out that pure hard regulation can't fully meet the development needs of consumers' information protection in the Internet Financial field.Next,through an overview of the soft law,it points out that the soft law has the advantages of making up for the inadequacy of the hard law and the agreement with the information protection of Internet Financial consumers.The artical is based on the analysis and comparison of two types of protection models in the United States and EuropeanUnion,trying to learn from its successful experience,constructing the soft law protection system of Internet Financial consumers' information based on the basic ideas,improvement of the operating mechanism and the improvement of operating environment.The last part of the artical is that the paper don't emphasize the simple protection of soft law,but to improve the protection of Internet Financial consumers' information by the way of combination of hard law and soft law.