Research On The Protection Of College Students’ Financial Consumption Rights And Interests

With the development of Chinese financial industry and the continued growth of financial capital,financial reforms have made great progress,financial goods and services have become more and more innovative,providing diversified choices for individual financial consumer demand,while also making financial consumer groups more powerful.After the financial crisis,as the protection of financial consumers in the world continues to increase,so,focusing on Chinese growing financial mixed business trends,the protection of financial consumers also needs to be strengthened.In the process,the concept of “financial consumer”has been mentioned by more and more scholars and financial departments.As far as the current situation is concerned,there is no doubt that the financial consumer group has been formed in China and is gradually developing and growing.The research on financial consumers has become the focus of both the theoretical and practical circles.In view of the ever-changing development of financial markets and the growing reality of financial consumer disputes,China has long been facing a serious lack of institutional protection for financial consumer rights protection at the legislative level.At the same time,Chinese current regulatory model is separate supervision.Although it is convenient for the regulatory authorities to centrally manage their respective regulatory targets,it is conducive to improving the supervision level and regulatory efficiency.However,the lack of coordination mechanism between the regulatory authorities is prone to regulatory vacuum and repeat supervision and other issues.In addition,the lack of financial consumer dispute resolution mechanism makes it difficult for financial consumers to obtain real relief.Among them,as an emerging financial consumer group,college students’ rights protection in the process of financial consumption has attracted the attention of all sectors of society.To solve the problem of specific problems,combined with the current situation of the protection of college students’ financial consumer rights and interests,put forward corresponding suggestions for improvement.At the institutional level,the problems of financial consumer rights protection of college students are solved by improving the laws and regulations on financial consumer rights protection,strengthening financial supervision,and improving financial consumer dispute resolution mechanisms.In addition,the implementation of the popularization and guidance of college students’ financial consumption knowledge will effectively promote the protection of college students’ financial consumption rights.