| While the standard of living is rising,the consumption behavior of various types of property value-added preservation is gradually increasing.While the rapid development of the financial industry and the increase of consumer sovereignty consciousness,financial consumers are gradually realizing their role in dealing with financial institutions,paying more attention to the protection of their rights and interests and relief when their rights and interests are damaged.The right to know is the basis of the protection of consumer’s rights,and the right to know is the premise and guarantee for financial consumers to obtain other rights.The protection of the right to know to a certain extent to promote financial consumers to more actively drive their rights,in the protection of rights and interests play a role that can not be ignored.Based on the concept of financial consumer,this paper,on the basis of understanding its main scope and specific meaning,digs deep into the unique characteristics of the financial consumer itself,in order to achieve a deep understanding of it as a whole.Combined with the connotation of financial consumers,and with the comparison with ordinary consumers and show their own unique characteristics,summed up the characteristics of financial consumers’ right to know.On the basis of having a holistic understanding of financial consumers,it reveals the role of financial consumers’ right to know on the healthy development of financial institutions and the protection of financial consumer rights and interests,thus constructing a good financial environment.By searching for laws on the right to know of financial consumers,the overall status of its legislation is sorted out,and based on the basic situation,the problems that occur in the transaction activities between financial institutions and financial consumers are carried out To summarize and discuss,in this process,financial institutions have a relatively high frequency of problems,such as often improper performance of information disclosure obligations,inadequate explanation of product details,and one-sided,low-efficiency methods when receiving financial education,and After disputes between financial consumers and financial institutions,the channels for the settlement of disputes are not perfect,etc.,a general description of the problems in the protection of the right to know of financial consumers in China.Then,by referring to the description of the relevant regulations,system construction,and dispute resolution agencies in the protection of financial consumer rights in the three countries of the United States,the United Kingdom,and Japan,we can draw on the areas that play an active role to improve the resolution of related issues.Finally,through the promulgation of special laws for financial consumer rights and interests,the financial institutions of the financial information disclosure obligations and product description obligations to perform in-depth refinement.In the case of higher requirements in variousaspects,adopt ways to broaden the solution and strengthen cooperation between various institutions,supplemented by various methods to improve the targeted and efficiency of financial consumer education,and deal with financial institutions related to Disputes,so as to better construct an external environment that is suitable for the development of the financial industry and can fully guarantee the right of the financial consumer to know.This is not only conducive to strengthening the overall protection of financial consumers’ right to know,but from another perspective,it has a positive role in promoting consumer confidence and building a healthy market environment. |
