Research On The Protection Of Internet Financial Consumer's Right To Know

With the innovation and development of the Internet,the combination of financial products and network information technology has brought a series of new Internet financial products such as P2 P,Internet crowd-funding and yu 'ebao.Consumers also grew exponentially.Compared with the traditional right to know,any natural person who is in a weaker trading position than an Internet financial institution should be an Internet financial consumer.The content of the right to know needs to be more comprehensive,real and effective.Due to the virtuality,complexity and risk of Internet finance,consumers of Internet finance are in a more disadvantageous position of information asymmetry in financial transactions.The right to know of Internet financial consumers will further damage their property rights and interests.Therefore,the right to know protection of Internet financial consumers becomes particularly important.This paper is divided into four parts.I.by introducing the ezubao case,the current damage situation and the reasons for the damage to the right to know are analyzed.By analyzing the characteristics of Internet financial consumers' right to know,this paper differentiates traditional financial consumers and concludes the necessity of the right to know protection based on theoretical basis.Second,from the legislative and regulatory aspects of the analysis of China's current protection problems.Summarize the current legislation in the absence of the concept of the right to know,the obligation of business service providers is not clear,the effectiveness of relief channels is poor,supervision is not in place.Third,through the analysis of the United Kingdom and Japan,get our country in the legislative and regulatory enlightenment.Iv.Improving the protection of the right to know about existing problems,the obligation of financial service providers to inform,strengthening financial supervision,improving the penetrative supervision mode and enriching diversified dispute settlement mechanism.