Research On The Supervision Countermeasures For The Protection Of Financial Consumer Rights And Interests Of Dalian Municipal Government

In the public industry which provides universal services for the public,financial services play an important role in the development of national economy.This indicates that the banking industry plays an increasingly important role in financial services.In recent years,all kinds of financial products of Dalian's banking industry emerge in endlessly and the competition is fierce,which also reflects the gradual stability of Dalian as the financial center of Northeast China.In this context,due to the endless emergence of various financial products and the lack of professional knowledge,financial consumers who are also non professionals are in a weak position and gradually increase.Safeguarding their legitimate rights and interests is the focus of the public,and is also an important goal of Dalian municipal government to maintain the development of the financial industry.Compared with ordinary commodities,financial goods have the characteristics of intangibility,professionalism and risk,and their essence is financial services.Financial consumers are often in asymmetric information when choosing financial goods with strong specialty and high risk,so they can not fully grasp the important information of financial products and avoid risks.When dealing with business,bank consumers must accept the 79 point format contract unilaterally provided by 13 provincial banks.When the relevant legal experts organized by Dalian market supervision department examined the contract,they found that there were five major problems in the standard terms:requiring financial consumers to bear the relevant expenses that they should not bear;setting the default conditions of financial consumers at will;wantonly eliminating financial risks Those who pay for the service should take additional services;those who violate the relevant laws and regulations should be added improperly.These clauses not only evade the responsibilities of banks,but also infringe on the legitimate rights and interests of consumers.The contract problem is only the tip of the iceberg.Throughout the banking and financial fields,consumer violations are common.From the current development situation of Dalian City,financial institutions in the process of financial transactions exist information asymmetry,predatory financial transactions and other illegal acts,coupled with the financial consumers themselves lack of professional knowledge of financial products and services,resulting in the transaction is always in a disadvantage.For example,Dalian Jinma tianchu and Qixin wealth have successively broken the capital chain,which has damaged the interests of financial consumers,but it is difficult to effectively protect their rights,thus causing serious social impact.The main reason is that financial institutions in Dalian are always in an advantageous position when dealing with financial consumers,which makes it difficult for most financial consumers to grasp the effective information of products or services in the process of trading with financial institutions,which makes it difficult for financial consumers to make scientific and rational decisions.In addition,with the expansion of mixed operation in Dalian's financial industry in recent years,a variety of compound financial products are gradually emerging.It is difficult for financial consumers to make a rational judgment among the various financial products,which also deepens their inferior position.Market self-regulation can not solve the disadvantage of financial consumers.Government intervention and improvement of relevant legal system and policies are the fundamental methods to protect financial consumers.As time goes by,it will infringe on the rights and interests of consumers,reduce consumers'confidence in relevant products and services of Dalian's financial industry,which will be detrimental to the long-term development of Dalian's financial field.This paper will be based on the actual situation of Dalian,objective analysis of the current problems in the financial industry in Dalian,and a profound study of the causes of the problem,and through the combination of lemon theory,bimodal theory and relevant experience at home and abroad to put forward relevant measures to protect the rights and interests of financial consumers in Dalian,so as to effectively improve the current financial consumer market in Dalian,and further improve the financial consumer market in Dalian It will stimulate the confidence of financial consumers in the industry,so as to promote the sustainable and healthy development of the financial industry in Dalian.This paper adopts the methods of reading literature,investigation and comparative analysis.Through reading a large number of laws and regulations,industry rules,bank consumption agreements and other materials,this paper summarizes the problems existing in the current banking consumption in China,analyzes the reasons,and puts forward suggestions for improving the protection of financial consumers' rights and interests in Dalian.The main content of this paper includes five parts:the first part is the introduction,which describes the research background and significance,the relevant domestic and foreign research summary and research content and methods;the second part is the concept definition and main theoretical basis,introducing consumers,financial consumers and related basic concepts and theories;the third part is the supervision of Dalian municipal government on the protection of financial consumers' rights and interests The fourth part is the plight and reason analysis of Dalian government financial consumer protection supervision;the fifth part is the Countermeasures of Dalian government financial consumer protection supervision;the sixth part is the conclusion,including the main research results,deficiencies and prospects.