Research On Legal Issues Of Protecting Rights And Interests Of Internet Financial Consumers In China

With the rapid development of Internet technology and financial industry in China,and the increasing demand of consumers for financial products and services,Internet finance,a new financial form,has gradually entered People's Daily life.Internet finance has now become the main direction of financial development in the Internet era.As a consumer group mainly consuming Internet financial products and services,Internet financial consumers have emerged with the rapid development of Internet financial services in China.In Internet financial transactions,due to the consumption of virtualization,digital carrier,consumers need to face the different from traditional financial products and services consumption of mark,need to take more risk,the present problem of the Internet financial consumer rights and interests are violated,so as the Internet financial consumer rights and interests are violated the phenomenon of more and more outstanding,Internet financial consumer rights and interests protection in China need to further improve.However,there are still many deficiencies in the rights and interests protection system of Internet financial consumers in China,which are mainly manifested in the following aspects: 1.Establish special legislation to protect the rights and interests of Internet financial consumers.First,unify the definition of Internet financial consumers;Secondly,it clarifies the rights of Internet financial consumers and the obligations of financial institutions.2.Improve the supervision system for the rights and interests of Internet financial consumers.First,strictly control the Internet financial market access system;Second,the establishment of Internet financial market operation supervision system;Third,we will strengthen the regulatory system for withdrawing from the Internet financial market.3.Improve the settlement mechanism of non-litigation disputes.First,the establishment of a special Internet financial consumer protection agency;Second,standardize the relief rules for Internet financial consumers.In this paper,based on the relevant theoretical research and practice of existing operation,try from the Internet trading related basic theory of financial markets and financial status of the protection of the rights and interests of consumers of the Internet,how to improve the Internet deals related to the rights and interests of consumerfinancial protection,and puts forward proposals for perfecting the following: 1.The establishment of the Internet financial consumers' rights and interests protection legislation.First,unify the definition of Internet financial consumers;Secondly,it clarifies the rights of Internet financial consumers and the obligations of financial institutions.2.Improve the supervision system for the rights and interests of Internet financial consumers.First,strictly control the Internet financial market access system;Second,the establishment of Internet financial market operation supervision system;Third,we will strengthen the regulatory system for withdrawing from the Internet financial market.3.Improve the settlement mechanism of non-litigation disputes.First,the establishment of a special Internet financial consumer protection agency;Second,standardize the relief rules for Internet financial consumers.