Research On Financial Consumer Education And Rights Protection

With the rapid development of China's economy and the increasing wealth of households,ordinary families have been widely involved in financial market investment activities.Facing the continuous innovation of financial market and financial products,consumers must have a good level of financial education,have the cognitive ability of financial products,can make the whole life cycle of financial planning more rational and scientific,to ensure that wealth is guaranteed and added value,and to promote the stable operation of the financial market.However,the popularity of China's financial education is not high,and the financial literacy of consumers is generally low.Strengthening financial consumer education is the necessary requirement to maintain the prosperity and development of the financial market.It is helpful to improve the protection system of the rights and interests of financial consumers and promote the development of the theory and practice of financial supervision.Based on the theories of the financial consumer education and the protection of the rights and interests of the financial consumers,this paper makes a statistical analysis on the current situation of the city's financial consumption by using the data of the "Research on the environmental assessment of Qingdao's protection of financial consumption rights and interests" in 2017,and then uses this data to make an empirical study on the protection of financial education and the rights and interests of financial consumers.The research shows that the financial education of residents in Qingdao,the degree of accreditation of the means of financial education,financial attitude,financial skills and the level of financial knowledge have a positive impact on the protection of the rights and interests of financial consumers.The higher the level and importance of financial education,the higher the degree of protection of financial consumption rights and interests.Strengthening financial education can improve financial knowledge level,rational consumption level,rights awareness and help ability of financial consumers,and help them to make correct decisions in the complex financial environment and protect their own rights and interests.In the construction of the protection system of China's financial consumer rights and interests,we must pay more attention to the work of financial education.The first is to improve the organizational system of the financial consumer education,including the establishment of the legal system of consumer protection,the unified planning of the financial consumer education institutions,the joint social capacity to construct a comprehensive financial education organization system,and the two is to improve the implementation system of our financial education.To expand the implementation path of financial education and enrich the content system of financial education;three,to establish a financial education guarantee system in China,to establish a standardized evaluation system for the effectiveness of financial education and to set up a special investment fund for financial education.