金融消费纠纷解决机制问题与对策探究

发布时间：2018-03-16 20:05

本文选题：金融消费者　切入点：金融消费纠纷解决机制　出处：《东华大学》2017年硕士论文　论文类型：学位论文

【摘要】：金融危机过后,各国掀起了金融法制改革的浪潮,各种金融服务渐渐地渗透到各家各户,人们已经不仅仅满足于传统金融中的存储借贷,更多的转向信用卡,网上支付,投资理财等服务,由此带来的各类纠纷也随之而来。因此,各国为了金融秩序的稳定与发展,相继建立了各国富有特色的金融体系,不仅仅加强了金融消费纠纷的相关立法,同时在职能部门上加以创新,更好地服务于金融消费者。我国也在金融法制改革的浪潮中开展创新型的实践,创建了各类不同的金融消费者保护机构,同时在金融消费者保护的相关立法上向各国借鉴并加以摸索,力求建立起富有中国特色的金融消费纠纷体系,为保护金融消费者的合法权益付诸努力。本文立足马克思主义理论特别是其中的权利保护思想,针对现行的金融消费者保护体系进行深入探究,以期为建立更完善的金融消费纠纷解决机制提供一些有价值的论点。具体而言,本文主要内容包括四个部分:第一部分主要从金融消费者的概念出发,阐述消费者概念如何进入金融消费的领域,并通过实际案例分析我国金融消费纠纷的现状及特征,分别包括金融消费纠纷的复杂性、专业性、金融消费者的弱势地位以及金融消费纠纷解决的困难性。第二部分结合马克思主义权利思想,对金融消费纠纷解决机制分别从公平理论、自由理论以及对金融消费者保护的重要作用进行探讨,对我国现存的金融机构内部协商和解、人民调解、行政调解、金融仲裁、司法诉讼五种救济途径进行阐释,分析我国金融消费纠纷解决机制存在的问题,其不仅包括司法诉讼一元主导,各纠纷解决机制互通性不强,同时金融监管机构监管约束力不足并且缺乏解决金融消费的法律体系和专门机构。第三部分则主要通过以美国金融消费者保护局和加拿大金融消费者管理局为代表的金融监管机构途径和以英国金融监察服务机构为代表的独立第三方机构解决纠纷的途径展开,分析国外金融消费纠纷的现状和各国的体系建设并与我国的金融消费纠纷解决机制进行对比,寻找可借鉴之处。第四部分则根据金融消费纠纷解决机制的现状以及问题提出自己的见解,分别从金融消费者保护的立法、构建多元化纠纷解决机制以及加强金融消费者权利保护意识加以阐述,提出以马克思主义权利保护思想为指导促进我国金融纠纷解决的有效构想。
[Abstract]:After the financial crisis, countries set off a wave of financial legal reform, various financial services gradually infiltrated into each household, people have not only been satisfied with the traditional financial savings and loans, more to credit cards, online payment, Therefore, for the stability and development of the financial order, various countries have successively established their own characteristic financial systems, not only strengthening the relevant legislation on financial consumption disputes, At the same time, we have innovated in our functional departments to better serve financial consumers. In the wave of financial legal system reform, China has also developed innovative practices and created various kinds of financial consumer protection institutions. At the same time, we should learn from and explore the relevant legislation on the protection of financial consumers, and strive to establish a financial consumption dispute system with Chinese characteristics. In order to protect the legitimate rights and interests of financial consumers, this paper bases on the Marxist theory, especially the right protection thought, and probes into the current financial consumer protection system. In order to establish a more perfect financial consumption dispute resolution mechanism to provide some valuable arguments. Specifically, the main content of this paper includes four parts: the first part mainly from the concept of financial consumers, This paper expounds how the concept of consumers enters the field of financial consumption, and analyzes the present situation and characteristics of financial consumption disputes in China through practical cases, including the complexity and professionalism of financial consumption disputes, respectively. The weak position of financial consumers and the difficulty of resolving financial consumption disputes. The theory of freedom and the important role of financial consumer protection are discussed, and the five remedy ways of internal negotiation and reconciliation, people's mediation, administrative mediation, financial arbitration and judicial litigation are explained. This paper analyzes the problems existing in the dispute resolution mechanism of financial consumption in China, which includes not only the monolithic judicial litigation, but also the lack of interoperability among the various dispute resolution mechanisms. At the same time, financial regulatory institutions are not binding enough and lack the legal system and specialized agencies to deal with financial consumption. The third part mainly through the Financial Consumer Protection Agency of the United States and the Financial Consumer Authority of Canada as a substitute. The Financial Regulatory Authority and the Independent Third-Party organizations represented by the Financial Supervision Service in the United Kingdom are involved in dispute resolution. This paper analyzes the present situation of foreign financial consumption disputes and the system construction of various countries, and compares them with the financial consumption dispute resolution mechanism of our country. Part 4th, according to the current situation and problems of financial consumption dispute resolution mechanism, put forward its own views, respectively from the legislation of financial consumer protection. This paper expounds the construction of diversified dispute resolution mechanism and the strengthening of the consciousness of protecting the rights of financial consumers, and puts forward an effective conception of promoting the resolution of financial disputes in China under the guidance of Marxist ideas of right protection.
【学位授予单位】：东华大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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