Research On The Protection Of College Students' Financial Consumption Rights

China's economy is growing steadily,and the financial industry is gradually becoming the main driving force for economic development.With the deepening of the national policy to support the development of financial industry and the continuous progress of Internet technology,China's Internet financial market is booming.In order to expand the Internet financial consumer market,various financial entities are competing to develop new consumer groups.Due to their huge potential for financial consumption,college students have quickly become the marketing objects of many campus financial products and services represented by "campus loan".But,due to the financial regulatory system in our country and the financial consumers' rights and interests protection system is not perfect,and the Internet financial "banner" bad "borrowed" campus water-bifurcation savage growth,run rampant,they are in wanton violations of the college students of financial consumer rights and interests at the same time,also bring a big impact to the campus management order,and thus causing other serious social problems.In modern financial society,college students objectively have legitimate financial consumption needs,which can neither be contained nor should be ignored.Therefore,starting from the reality that "campus loan" infringes on college students' financial consumption rights and interests,this paper analyzes the characteristics of college students' financial consumption.On the basis of identifying the causes of the harm of college students' financial consumption rights and interests,this paper puts forward some Suggestions on strengthening the protection of college students' financial consumption rights and interests,which is not only conducive to improving the legal system of financial consumption rights and interests protection in China,but also conducive to the healthy development of the Internet finance industry in China.Centering on the research topic,this paper,in addition to the introduction,consists of the following five parts:The first part is about the protection of college students' financial consumption rights and interests.This part expounds the meaning of financial consumption,financial consumption rights and interests,financial consumers and college students' consumers,and introduces the main modes of college students' financial consumption.Combined with the data of questionnaire survey,this paper summarizes the characteristics of financial consumption of college students.Finally,it analyzes thenecessity of protecting college students' financial consumption rights and interests.The second part,the current situation and reasons of "campus loan" infringement on the financial consumption rights and interests of college students.According to the practice of bad "campus loan" in our country,this part expounds the reality that the right to know,the right to equity,the right to safety and the right to remedy are infringed upon in the "campus loan".The reasons are analyzed from four aspects:legal system of protecting financial consumption rights and interests,threshold of platform institution,financial consumption supervision system,and financial consumption dispute resolution mechanism.The third part,foreign financial consumption rights and interests protection system of the investigation and inspiration.This part analyzes the experience of the financial consumer rights protection system in the United States,the United Kingdom and the European Union,in order to find out the enlightenment to improve the financial consumer rights protection system of college students in China.The fourth part is the Suggestions to improve the protection of the financial consumption rights of Chinese college students.This part mainly puts forward Suggestions to improve the protection of financial consumer rights and interests of Chinese college students from four aspects: perfecting the legislation on the protection of financial consumer rights and interests,constructing the supervision mechanism of financial consumer protection,establishing the financial consumer dispute resolution system,and strengthening the financial knowledge publicity and education activities for college students.The fifth part,the summary.Summarize and emphasize the content and conclusion of the paper briefly.