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Comparative Research On Financial Consumer Protection Law Regime

Posted on:2019-04-09Degree:MasterType:Thesis
Country:ChinaCandidate:D NiuFull Text:PDF
GTID:2416330545953431Subject:Law
Abstract/Summary:PDF Full Text Request
In recent years,with the increasing attention of financial products and services,the ranks of financial consumers are growing.Because of the inherent intangibility,complexity,and professionalism of financial products and services,financial consumers' rights and interests are frequently violated when they engage in financial consumption.Therefore,how to strengthen the protection of financial consumers has become a non-negligible issue in the continuous deepening of China's financial reform.In fact,one of the reasons for the 2008 financial crisis in the United States,the UK and Japan was that financial supervision overlooks the protection of financial consumers.So in the new round of financial supervision reforms,they will focus on the protection of financial consumers.This paper takes financial consumer protection as the research object,and compares the protection of financial consumers in major developed countries with the establishment of legislation,regulatory agencies,and dispute resolution mechanisms.At the same time,combined with China's current financial consumer protection status and existing problems,with a view to put forward practical suggestions for the improvement of the legal system of financial consumer protection.There are four chapters in this thesis:Chapter one elaborates the foundation of the protection of financial consumer rights and interests.This chapter includes the analysis of the definition of financial consumer and the necessity of protecting financial consumer right and interests.Chapter two makes a comparative analysis of the legal system of financial consumer rights and interests protection in the United States,the UK and Japan.Through the review of the legislation on the consumer protection of the United States,the UK and Japan and the latest legislation in the new round of financial supervision reforms,the commonalities and characteristics in the legislation of the financial consumer protection in the above countries are analyzed.Chapter three makes a comparative analysis of the purpose,responsibility and status of the financial consumer protection regulatory agencies in the United States,the UK and Japan.The Consumer Financial Protection Bureau of the United States,the Financial Conduct Authority and the Consumer Financial Education Body of the UK,and the Japan Financial Services Agency have played a huge role in expanding and strengthening the protection of financial consumers.Chapter four makes a comparative study on the multiple dispute resolution mechanism of financial consumption in the United States,the UK and Japan.The auther mainly analyzed the American financial ADR mechanism,the British FOS mechanism and the Japanese financial ADR mechanism.Chapter five gives the improvement of China's financial consumer rights and interests protection law regine.First of all,the author analyzes the current situation of the protection of the financial consumer rights and intereste in China and summarizes the existing problems.Then,on the basis of the legal system of the protection of the American,British and Japanese financial consumers' rights and interests,the suggestions for improving the law regime of the protection of the rights and interests of China's financial consumers are put forward.
Keywords/Search Tags:Financial Consumer, Legal Protection, Financial Consumer Dispute Resolution Mechanism
PDF Full Text Request
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