监管视域下我国银行理财产品消费者保护研究

发布时间：2018-03-06 05:06

本文选题：监管视域　切入点：银行理财产品　出处：《西南政法大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着我国银行理财产品的飞速发展,在监管中银行与银行理财产品消费者之间的各种问题与纠纷开始一一暴露,问题的出现不但不利于银行理财产品的良好发展,而且也不利于银行理财产品消费者的保护。本文在研究相关基本理论后,试图从监管视角下的立法层面、主体层面、职权层面、程序层面和配套制度等角度对银行理财产品消费者保护的监管问题进行分析和研究,并借鉴国外有益经验和先进做法,以期提出监管视域下完善我国银行理财产品消费者保护的对策措施。论文主要分为:第一部分是银行理财产品消费者法律保护的一般理论概述。文段在区别了银行消费者与银行客户、分析银行理财产品的内涵后,对银行理财产品消费者的概念进行了界定,并说明了其基本特征。随后,文章分别对我国银行理财产品消费者法律保护的理论基础进行了分析与说明,并对银行理财产品消费者法律保护的基本原则进行了探讨。第二部分在第一部分的基础上从监管视域对我国银行理财产品消费者保护存在的问题进行了分析。在对问题的分析上,发现在我国分业监管的金融监管体系下,我国银行理财产品消费者保护存在包括银行理财产品消费者保护的立法不足,银行理财产品消费者保护的监管目标和职责不明,银行理财产品消费者在监管机构权益保护中主体地位不清,银行理财产品消费者权益保护的监管权配置不到位,监管制度下银行理财产品消费者维权的程序不完善,银行理财产品消费者保护的配套制度不健全等问题,希望从问题本身入手找到解决的答案。第三部分介绍了金融监管路径下银行理财产品消费者保护的域外借鉴。各国在金融危机后都基于本国国情采取了针对消费者保护的系统性监管改革,这一部分结合美国、英国和澳大利亚三个世界上较具代表性国家进行的金融监管改革,特别是针对消费者保护的监管改革的经验教训进行了学习与研究,以期在各国成功经验中加以借鉴并能够得到些许启发。最后一部分,在综合考虑和借鉴一、二、三部分内容的基础上,从监管角度入手提出了几点完善我国银行理财产品消费者保护的对策措施。文章最后在监管视域下将我国银行理财产品消费者监管现状与域外可借鉴经验相结合,从立法层面、主体层面、职权层面、程序层面和配套制度等角度提出了:提升银行理财产品消费者保护的系统性和操作性,弥补银行理财产品消费者保护的主体失位,厘清银行理财产品消费者保护的价值和职责,提高其权利救济的效果,健全银行理财产品消费者保护的配套制度等一系列完善我国银行理财产品消费者保护的监管建议。
[Abstract]:With the rapid development of banking financial products in our country, the problems and disputes between banks and consumers of banking financial products have been exposed one by one in the supervision, which is not conducive to the good development of banking financial products. And it is also not conducive to the protection of consumers of banking financial products. After studying the relevant basic theory, this paper tries to from the perspective of regulation, the legislative level, the subject level, the authority level, From the point of view of procedure and supporting system, this paper analyzes and studies the supervision of consumer protection of banking financial products, and draws lessons from the beneficial experience and advanced practices of foreign countries. The paper is divided into two parts: the first part is the general theory of consumer protection of banking financial products. Bank customers and Bank customers, After analyzing the connotation of banking financial products, this paper defines the concept of consumers of banking financial products, and explains its basic characteristics. This paper analyzes and explains the theoretical basis of consumer legal protection of banking financial products in China. The second part analyzes the problems existing in consumer protection of banking financial products in China from the perspective of supervision on the basis of the first part. In the analysis of the problem, It is found that under the financial supervision system of separate supervision in our country, the consumer protection of banking financial products in our country is insufficient in legislation including the consumer protection of banking financial products, and the supervision objectives and duties of consumer protection of banking financial products are not clear. The main body position of the consumer of banking financial products in the protection of the rights and interests of the regulatory bodies is not clear, the regulatory power of consumer protection of banking financial products is not in place, and the procedures for safeguarding the rights of consumers of banking financial products under the supervision system are not perfect. The banking financial products consumer protection system is not perfect and so on. The third part introduces the extra-territorial reference of consumer protection of banking financial products under the path of financial supervision. After the financial crisis, all countries have taken the aim at consumption based on their own national conditions. The system of regulatory reform, This part studies and studies the experiences and lessons of the financial regulatory reforms carried out by the United States, the United Kingdom and Australia in three more representative countries in the world, especially those aimed at consumer protection. With a view to drawing lessons from the successful experiences of various countries and getting some inspiration. The last part, on the basis of the comprehensive consideration and reference of the first, second and third parts, From the point of view of supervision, this paper puts forward some countermeasures to improve the consumer protection of banking financial products in China. Finally, the article combines the present situation of consumer supervision of banking financial products in China with the overseas experience from the legislative level. From the aspects of subject level, authority level, procedure level and supporting system, this paper puts forward the following points: to improve the system and operation of consumer protection of banking financial products, and to make up for the loss of the subject of consumer protection of bank financial products. This paper clarifies the value and responsibility of consumer protection of banking financial products, improves the effect of its right relief, and improves the supporting system of consumer protection of banking financial products, and so on, and a series of regulatory suggestions to perfect the consumer protection of banking financial products in China.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28;D923.8

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