美国金融消费者法律保护及其对中国的启示

发布时间：2018-03-08 04:23

本文选题：金融消费者权利　切入点：法律保护　出处：《哈尔滨工业大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着金融业的迅速发展，世界范围内金融消费者权利受侵害事件频繁发生，尤其2008年金融危机严重侵害了金融消费者的权益，因而有效保护其权利显得更为迫切和重要。这次金融危机之后，美国进行金融改革，完善其金融消费者法律保护体系，更有效的保护金融消费者。而我国立法对金融消费者尚无界定，而且涉及金融消费者保护的法律存在诸多问题。因此，借鉴美国金融消费者法律保护的有益经验和反思其不足，对于构建我国金融消费者权利法律保护体系具有重大的意义。由于金融信息的严重不对称与金融风险的影响难以克服等原因，金融消费者在金融市场中处于不利的地位，需要专门的法律规范和法律制度予以特殊保护。在2008年金融危机之后，美国完善其金融消费者法律保护体系，加强对金融消费者权利的保护。其中主要的成果是《多德——弗兰克法案》的颁布与实施。为了更好的借鉴美国经验，通过文献分析法和规范分析法对其创设的金融消费者保护机构和规则进行阐述和分析，论证强化中央金融机构的权力、终止“继续去监管化”的趋势和提升金融消费者保护价值位阶等核心的价值理念。并且在上述分析的基础上，立足我国的金融国情，，采用比较分析法，从金融消费者保护的宏观法律制度与具体法律规范等方面完善我国金融消费者法律保护体系，从而实现对金融消费者权利的有效保护，促进金融市场的健康发展和持续繁荣。
[Abstract]:With the rapid development of financial industry, the rights of financial consumers are infringed frequently in the world, especially in 2008, the financial crisis seriously infringed on the rights and interests of financial consumers. It is therefore even more urgent and important to effectively protect its rights. After the financial crisis, the United States carried out financial reform to improve its legal protection system for financial consumers. The legislation of our country has not defined the financial consumers, and there are many problems in the laws concerning the protection of financial consumers. Therefore, we should learn from the beneficial experience of the legal protection of financial consumers in the United States and reflect on its shortcomings. It is of great significance to construct the legal protection system of financial consumer rights in China. Because of the serious asymmetry of financial information and the difficulty of overcoming the influence of financial risks, financial consumers are in a disadvantageous position in the financial market. Special legal norms and legal systems are needed for special protection. After the financial crisis in 2008, the United States improved its legal protection system for financial consumers. Strengthening the protection of the rights of financial consumers. One of the main achievements is the promulgation and implementation of the Dode Frank Act. Through literature analysis and normative analysis, this paper expounds and analyzes the financial consumer protection institutions and rules, and demonstrates and strengthens the power of the central financial institutions. To end the trend of "continue to deregulate" and to raise the value level of financial consumer protection, and on the basis of the above analysis, based on the financial situation of our country, using comparative analysis, In order to realize the effective protection of the rights of financial consumers and promote the healthy development and sustainable prosperity of financial markets, we should perfect the legal protection system of financial consumers from the aspects of macro legal system and specific legal norms of financial consumer protection.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D971.2;D922.28;D923.8

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