Research On The Protection Of Financial Consumer's Security Right In Internet Financial Management

In recent years,as the government of our country strongly advocates the concept of the "Internet +" and the theory of Pratt & Whitney finance,the financial institution and the Internet company seize the opportunity to develop the Internet financing business,and change the traditional financial management mode to create the financial services such as the interconnection fund and the Internet insurance.However,innovation is a double-edged sword,on the one hand,the characteristics of low threshold of Internet financial management,high yield,flexible operation and the like are beneficial to the mobilization of the enthusiasm of financial consumers to participate in financial management,improve the utilization efficiency of the free funds,and realize the optimized allocation of resources,thus promoting the development of Pratt & Whitney finance;On the other hand,innovation must be accompanied by a certain risk,whether a financial product or a financial product.The risk of service itself,or the inherent risk of Internet technology,will hinder the development of financial institutions and Internet companies as operators.More importantly,since financial consumers are the ultimate bearers of all safety risks,especially financial consumers and operators are at a disadvantage in obtaining and identifying information,preventing and assuming risks,and so on.Therefore,any security risk in Internet financing will seriously damage the interests of financial consumers.Once the interests of the security right of financial consumers are damaged,they will lose their trust in the Internet financial market and leave the Internet financial market,thus causing the financial market of the Internet.Therefore,it is necessary to pay more attention to the protection of the security rights of the financial and financial consumers of the Internet.In order to strengthen the guarantee of the security right of the financial consumers,it is necessary to study the guarantee of the security right of the financial consumers in the Internet,and to make practical suggestions on how to strengthen the guarantee of the security right of the financial consumers.In addition to the introduction,there are four chapters in this paper.First of all,the related concepts of financial consumers' right to safety in Internet financial management are defined and clarified,which is the premise of the research on the related problems.Based on the concept of Internet financial management,this paper expounds its four operating modes and the characteristics of low investment threshold,low operating cost and few transaction restrictions.Based on the concept of financial consumer,this paper discusses its relationship with consumers and financial investors.In the light of the guidance on strengthening the protection of financial consumers' rights and interests,and other legislative texts,such as the Standards for personal Information Protection of Internet Enterprises,and other legislative texts,the definition of financial consumers' The right to security.Furthermore,the particularity of the security right of the financial consumers in the Internet financial management is analyzed,from the aspects of the professional,the complexity,the information asymmetry and the unequal status of the parties in the Internet,all-round,Therefore,it is necessary to strengthen the protection of the security right of the financial consumers of the Internet.Then,the present situation and the existing problems of the security right protection of the financial consumers in the Internet are explained from the shortage of the network security of the financial consumers in the Internet.Finally,aiming at the problems at all levels,the network security of the financial consumers in the Internet is correspondingly increased,and the legal protection is improved.And put forward protect system,introduce mixed industry supervision system,perfect the protection path of dispute resolution mechanism.To mobilize the enthusiasm of all parties,such as the legislature,regulatory bodies,trade associations,operators and financial consumers,in protecting the right to safety of financial consumers through various measures.The various means adopted can achieve the expected effect of the financial consumers' right to safety.