Research On Legal Protection System Of Financial Consumers' Rights In Third Party Payment

The protection of financial consumer rights in third-party payment does not match the rapid development of third-party payment.The legitimate rights and interests of financial consumers in third-party payment are at any time in the risk of being infringed,especially the right to fund security and personal information.The right to know is facing serious protection.As an important source and guarantee of financial consumer rights,the law's imperfect legal protection of consumer rights in the field of third-party payment has become the leading cause of damage to financial consumer rights.Therefore,it is necessary to explore and improve the legal protection of financial consumer rights in third-party payment,which is conducive to the realization of the third-party payment industry's stability and far-reaching,and to compensate for the legitimate rights and interests of third-party payment financial consumers due to the lack of legal regulation.This paper discusses the subject of this study by outlining the legal protection of financial consumer rights in third-party payments,the existing legal protection issues,introducing and referring to foreign financial consumer legal protection and proposing corresponding improvement suggestions.In the outline of protection status,the paper introduces the theory of financial consumers in third-party payment and introduces the status of current rights protection legislation,and lays a basic theoretical foundation for understanding the following issues and suggestions for improvement.When exposing the existing legal protection issues,it expounds the problems faced by China's current financial consumer rights protection,that is,the deficiencies in the protection system,including the damage to the right to financial security,the violation of personal information rights,and the difficulty in guaranteeing the right to know..In the process of introducing and learning from the legal protection of foreign financial consumer rights,this paper introduces the different institutional arrangements for the protection of financial consumer rights,including the civil law system and the common law countries and regional organizations,and proposes the construction of relevant systems in China in light of China's national conditions.Inspiration.In proposing specific suggestions for improvement,we will respond to the previous questions,and combine the relevant problems with foreign useful practices,establish the reality of China and the related financial consumer rights protection theory,and then propose financial consumer rights in third-party payment in China.Suggestions for the perfection of the legal protection system.Specifically,it includes improving the rules for non-authorized payment responsibility,improving the management system for depositing funds,determining the rights of financial consumers in third-party payments,and regulating the disclosure and disclosure methods of third-party payment institutions.