| Banks provide consumers with a wide range of financial products and financial services,and banking consumers are "dazzled" by the choice of financial products.Expanding scale and type of wealth management products,continuously to the banking consumers.Commercial Banks operating irregularities,imperfect legal system specification issues are also increasingly exposed,banking consumers right to know and property security,the right of financial privacy and fairness,voluntary exchange core rights has also been seriously violated.Banks are the core subjects of the national economy,and the security of bank assets also affects the stability of the whole financial system and the stability of the whole society.But as the negative news about Banks' wealth management products has been reported,Banks are also in a dilemma of sharply consuming social credit.The protection of consumers' rights and interests in the banking industry should be dealt with by administrative law and civil and commercial law first,and the criminal law should be supplemented and guaranteed.But banking consumer rights and interests of criminal protection shortage for a long time,a large number of occurrences of serious damage to consumers' legal rights and interests many not only have in violation of the provisions of relevant laws,even violate the criminal law."Flying single case","bank deposit change insurance" and "loss of bank deposit" are three typical cases that may involve criminal liability and damage the core interests of banking consumers.Should protect Banks at the heart of the consumer rights and interests,through the above three kinds of typical case to analyze the current situation of banking consumers core rights infringement,and the core banking consumer rights and interests protection of the criminal law legislation mode,and sin and punishment,in order to promote the core banking consumer rights and interests protection and the prosperity and stability of banking development. |
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