A Research On The Protection Of Internet Finance Consumers' Rights And Interests

The emergence of Internet finance has important positive significance for improving China's financial system and promoting China's economic development.It makes up for the limitations of traditional financial institutions in terms of service scope,improves the efficiency and quality of financial services,satisfies the financial needs of the broad masses of people and small and micro enterprises,and plays a positive role in promoting economic development and enhancing market vitality.However,due to the lack of sufficient risk awareness of the regulatory authorities at the beginning of the development of Internet finance,it caused brutal growth,and a large number of Internet finance companies blossomed overnight.Due to the lack of corresponding regulatory measures,the development of enterprises is uneven,and the vicious competition between enterprises is serious,causing serious damage to China's financial order and infringing on the rights and interests of a large number of Internet financial consumers.From the Internet finance is enthusiastically sought after to the p2 p platform for continuous violent thunder,in just two years,Internet finance has witnessed from the crowds to cross the street,not only violates its original intention and development purposes,but also loses its society.And economic value.The main reason is that due to the current imperfect legislation and supervision of Internet finance in China,Internet financial consumers are vulnerable to infringement of their property,personal information and privacy when purchasing financial goods and services,and are vulnerable to infringement..Secondly,there is a lack of scientific and reasonable dispute resolution mechanism.After the rights and interests of Internet finance consumers are violated,it is difficult to maintain rights and cannot be guaranteed.Finally,the Internet finance consumer group is mainly composed of working-class and school-based students.Overall,the income level is low,the financial literacy is low,the risk awareness is poor,and the ability to withstand risks is low.The position in Internet financial transactions is even more important.Disadvantages.Therefore,this paper focuses on the issue of the protection of the rights and interests of Internet financial consumers.By analyzing the essential defects of Internet finance and the problems in its development process,this paper points out the current shortage of Internet financial consumer rights protection in China.Insufficient to propose corresponding countermeasures and suggestions,I hope that we can foster strengths and avoid weaknesses,and truly play the positive role ofInternet finance so that it can benefit the people.