Research On The Protection Of Consumer Rights And Interests In Digital Finance

As the main body of economic activities,consumer's rights and interests and legitimate interests shall be valued by all participants in economic activities.Protecting consumers' rights and interests plays an important role in stabilizing economic order and promoting market vitality.Compared with the professional risks of digital technology and the unique risks of financial activities,the infringement of rights and interests of traditional consumers in financial activities is more prominent.Therefore,combined with the current market situation,legal regulation and supervision,the analysis of consumer rights and interests vulnerable to infringement of the origin of the current situation.At the same time,combined with the relatively mature governance experience,it is necessary to build a more perfect system for consumer rights and interests protection in digital financial activities.This paper discusses the protection of the rights and interests of digital financial consumers from four parts.The first part,the basic theory of digital financial consumer rights and interests protection.First of all,related concepts and backgrounds of the protection of the rights and interests of digital financial consumers are elaborated.On the basis of grasping the research premise,confusing concepts,namely Internet finance and digital inclusive finance,are compared,so as to obtain the connotation and extension of digital inclusive finance more accurately.Returning to the main idea of this paper,this paper discusses the differences between digital financial consumers and ordinary financial consumers under the concept of digital financial universality,and puts forward the reasons why digital financial consumers need special protection and relevant mechanisms need special regulation,so as to lay a reasonable foundation for the following article.The second part,the status quo of digital consumer financial protection in our country.On the basis of sorting out the current framework of protecting the rights and interests of digital financial consumers,this paper focuses on the major challenges existing in the protection of the rights and interests of digital financial consumers.In addition,it also traces the source of the causes of practical difficulties and seeks solutions from the root.The third part,outside digital financial consumer rights and interests protection system and draw lessons from.Although with the rapid development of digital technology in China,relevant industries are also driven at the same time,financial supervision and regulation are restricted by the level of social management and still in the stage of improvement.This paper selects the relative systematic legislative experience,regulatory experience and mature practice of social supporting facilities in the United States and the United Kingdom,and seeks for solutions to the current situation of China proposed in the second part.From microscopical principle to microscopical management proposed draw lessons from summary.The fourth part,the improvement of the digital financial consumer rights and interests protection path.This paper constructs the system of digital financial consumer protection from the three levels of macro law,micro supervision and market operation.In accordance with the status quo of the second part,it analyzes and designs one by one and forms a systematic and complete multi-dimensional system design.Some Suggestions are given from three aspects: legislation,law enforcement and social supporting system.