互联网金融消费者安全权的法律保护

发布时间：2018-04-27 02:40

本文选题：互联网金融 + 互联网金融消费者　；参考：《上海师范大学》2015年硕士论文

【摘要】：互联网金融给人们带来福音的同时,却也带来了新的问题与挑战。为了让互联网金融更为健康、有序、长远的发展,首先必须保护好互联网金融消费者的安全权。本文以互联网金融的特点为切入点,针对互联网金融消费者与传统金融消费者及互联网金融消费者安全权与传统金融消费者安全权之间的不同之处,提出相关建议。具体而言,本文共有四个部分,分别是:第一部分主要是概念的界定。分为三个方面:首先,通过介绍国外学者对“互联网金融”概念的界定,得出“互联网金融”的概念;其次,通过同样的方法,对“互联网金融消费者”的内涵和外延进行界定;最后,通过对比的方式介绍了互联网金融消费者安全权的特点,从中可以看出保护互联网金融消费者安全权的特殊性和必要性。第二部分主要是问题分析。以互联网金融发展现状为依托,总结出在互联网金融消费者安全权保护方面的不足之处,共归纳为三点:一是互联网金融机构的法律定性不清,主要指法律和监管理念的滞后;二是互联网金融消费者资金安全保护中存在的问题,包括沉淀资金安全问题、第三方托管制度问题、担保有效性问题、破产后资金安全问题等等;三是互联网金融消费者信息安全保护中存在的问题,主要指互联网金融机构在收集、加工、使用、储存和传输个人信息过程中所存在的问题。第三部分主要是国际经验的介绍。本文主要介绍了英国和美国在保护互联网金融消费者安全权方面的立法和实践经验。所介绍的内容主要是以上述问题的解决为落脚点。第四部分主要针对问题提出相关建议。本文提出下列三个方面的建议,以保护互联网金融消费者的安全权,具体内容包括:一是更新监管理念;二是完善互联网金融消费者资金安全保障制度,包括建立“合格投资者”准入制度、健全第三方托管制度、存款保险制度等等;三是完善互联网金融消费者信息安全制度,包括明确“金融消费者信息”的内涵、健全金融消费者信息的保护规则、破产后的信息保护规则等等。
[Abstract]:Internet finance brings people good news, but also brings new problems and challenges. In order to make Internet finance more healthy, orderly and long-term development, it is necessary to protect the safety rights of internet financial consumers. Based on the characteristics of Internet finance, this paper puts forward some suggestions on the differences between the safety rights of Internet financial consumers and traditional financial consumers and the security rights of traditional financial consumers. Specifically, this paper has four parts: the first part is the definition of the concept. It is divided into three aspects: first, by introducing the definition of the concept of "Internet finance" by foreign scholars, the concept of "Internet finance" is obtained; secondly, the concept of "Internet finance" is obtained through the same method. The connotation and extension of "Internet financial consumers" are defined. Finally, the characteristics of the security rights of Internet financial consumers are introduced by means of comparison. From this, we can see the particularity and necessity of protecting internet financial consumers' security right. The second part is mainly problem analysis. Based on the current situation of Internet financial development, this paper sums up the shortcomings in the protection of Internet financial consumers' security rights, and concludes the following three points: first, the legal nature of Internet financial institutions is unclear, mainly referring to the lag of legal and regulatory concepts; Second, there are some problems in the security protection of Internet financial consumers' funds, including the security of precipitated funds, the third party custody system, the validity of guarantee, the security of funds after bankruptcy and so on. The third is the problems existing in the information security protection of Internet financial consumers, which mainly refers to the problems existing in the process of collecting, processing, using, storing and transmitting personal information by Internet financial institutions. The third part is the introduction of international experience. This paper mainly introduces the legislative and practical experience of the United Kingdom and the United States in protecting the right of Internet financial consumers to safety. The content of the introduction is mainly based on the solution of the above-mentioned problems. The fourth part mainly aims at the question to put forward the related suggestion. This paper puts forward the following three suggestions to protect the security rights of Internet financial consumers: first, to update the concept of supervision; second, to improve the financial security system for Internet financial consumers. Including the establishment of a "qualified investor" access system, a sound third-party trusteeship system, a deposit insurance system, and so on; third, the improvement of the Internet financial consumer information security system, including a clear understanding of the connotation of "financial consumer information," Perfect financial consumer information protection rules, post-bankruptcy information protection rules and so on.
【学位授予单位】：上海师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28;D923.8

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