Protection Of Rights And Interests Of The Internet Finance Consumers From A Regulatory Perspective

Internet finance is an indispensable part of China's financial system.In recent years,with the rapid development of Internet finance,its status is becoming more and more important.Internet finance is the product of the combination of traditional finance and information technology development.The virtual and complex characteristics of Internet financial products lead to the infringement of Internet financial consumers' rights and interests.However,the protection of Internet financial consumers is not perfect at this stage.In particular,we have not conducted a comprehensive and detailed discussion on Internet financial consumers from a regulatory perspective.Therefore,this paper discusses the protection of financial consumer rights and interests of Internet finance from a regulatory perspective.It is divided into the following four parts:The first part is an overview of Internet financial consumer rights and interests protection.First,it introduces the concept and mode of Internet finance.Secondly,it introduces the basic concepts of Internet financial consumers,such as concept definition,characteristics and rights and interests.Finally,from the necessity of monitoring the protection of consumers' rights and interests in Internet finance,we draw up supervision.The main purpose of this chapter is to put forward the basic theory and lay a theoretical foundation for the following research.The second part mainly starts from the existing problems.First,it introduces the problems of the protection of the rights and interests of the Internet financial consumers.The main problem is that the main rights of the Internet financial consumers are easily infringed.According to the practice analysis,this paper lists five basic rights of the consumers who are easily infringed.Secondly,the reasons for the above problems are analyzed from the perspective of supervision and the reasons for the reasons are analyzed.It is more pertinent to solve problems,so as to provide a clear protection path for final improvement.The third part mainly introduces the supervision and protection of the Internet financial consumers in three countries of the United States,the United Kingdom andJapan.It also analyzes the experience of the foreign countries which are worth learning from the five basic rights of the Internet financial consumers,namely,the right to know,the right to privacy,the property security,the right to education,and the right to fair trade.So as to provide a better reference for the fourth part.The fourth part is to provide a one to one,specific and operational measures for the above problems.The main ideas are to perfect the information disclosure system,improve the supervision system of the Internet financial information collection,the construction of the supervision system for the security of funds,the establishment of the supervision system of the Internet financial security education,and the improvement of the regulatory mechanism of the fair trading right.The ultimate aim of these measures is to protect the protection of the rights and interests of the Internet financial consumers.Therefore,the point of this article is to protect the rights and interests of the Internet financial consumers.