金融消费者知情权研究

发布时间：2018-05-11 23:31

本文选题：金融消费者 + 知情权　；参考：《中国青年政治学院》2015年硕士论文

【摘要】：随着社会经济的发展和互联网金融的出现,越来越多的消费者涌入金融市场。金融消费者作为金融市场的主体具有重要的地位,维护金融消费者的权益是保障金融市场稳定的重要因素。当前金融产品和金融服务愈发多样化和专业化,金融消费者与金融机构之间信息不对称现象越来越严重,这往往会侵害金融消费者的知情权。而知情权是金融消费者诸多权利的基础,只有保障了金融消费者的知情权,其他权益才得以有效保护,才能维护金融市场的稳定和安全。本文期冀通过对相关概念和理论的梳理,分析我国金融消费者知情权保护现状,并结合国外的先进司法实践经验提出完善我国金融消费者保护体系的构想。具体从以下三个部分进行论述:第一章是对金融消费者的基本概念的厘清,这是金融消费者保护问题的基础。结合我国理论和实践上对“金融消费者”概念的理解,并通过分析学界有关“金融消费者”概念的争议,进而从比较法角度来分析金融消费者概念内涵,在综合考量各方观点的基础上,得出了本文对金融消费者的界定。第二章对金融消费者的知情权做了详细的阐述。主要从金融消费者保护的理论依据和现实意义出发,突出知情权保护的必要性。提出金融机构信息披露应具备真实性、全面性、及时性和合理性标准,并分析了金融机构信息披露的具体内容,主要包括机构信息披露和产品信息披露。第三章是本文的重点,我国金融纠纷案件正出于井喷式发展,对我国金融消费者知情权保护的现状进行分析可知,现阶段金融消费者知情权保护主要存在法律法规体系不健全、监管机制不完备、金融机构信息披露及金融消费者教育体制不完善、金融消费纠纷解决机制欠缺等具体问题。通过分析国外一些国家相关金融保护体制,重点选取了美国和英国关于金融消费者知情权保护的司法实践样本,吸收借鉴其中先进的部分,尝试着从理念、制度、意识、救济等多方位、多角度提出完善我国金融消费者知情权法律保护的若干建议。
[Abstract]:With the development of social economy and the appearance of Internet finance, more and more consumers pour into the financial market. As the main body of financial market, financial consumers play an important role, and safeguarding the rights and interests of financial consumers is an important factor to ensure the stability of financial market. At present, financial products and financial services are becoming more diversified and specialized, and the information asymmetry between financial consumers and financial institutions is becoming more and more serious, which often infringes on the financial consumers' right to know. The right to know is the basis of many rights of financial consumers. Only by ensuring the right to know of financial consumers can other rights and interests be effectively protected and the stability and security of financial markets can be maintained. Through combing the relevant concepts and theories, this paper analyzes the current situation of the protection of the right to know of financial consumers in China, and puts forward the idea of perfecting the protection system of financial consumers in our country in combination with the advanced judicial practice experience of foreign countries. The first chapter is to clarify the basic concept of financial consumers, which is the basis of financial consumer protection. Combined with the understanding of the concept of "financial consumer" in theory and practice in our country, and through the analysis of the controversy about the concept of "financial consumer" in academic circles, the connotation of the concept of "financial consumer" is analyzed from the perspective of comparative law. On the basis of comprehensive consideration of various viewpoints, this paper gives the definition of financial consumers. The second chapter elaborates the right to know of financial consumers in detail. Based on the theoretical basis and practical significance of financial consumer protection, the necessity of protecting the right to know is highlighted. This paper puts forward that financial institution information disclosure should have the standards of authenticity, comprehensiveness, timeliness and rationality, and analyzes the specific contents of financial institution information disclosure, including institutional information disclosure and product information disclosure. The third chapter is the focal point of this paper, the financial dispute cases in our country are out of the blowout development, the analysis of the current situation of the financial consumers' right to know in our country shows that the current legal system of financial consumers' right to know is not perfect. The supervision mechanism is not perfect, the financial institution information disclosure and the financial consumer education system are not perfect, and the financial consumption dispute resolution mechanism is lacking. Through the analysis of the relevant financial protection systems in some foreign countries, this paper selects the samples of the judicial practice of the United States and Britain on the protection of the financial consumers' right to know, absorbs and draws on the advanced parts of them, and tries to learn from the ideas, systems and consciousness. Several suggestions are put forward to perfect the legal protection of financial consumers' right to know.
【学位授予单位】：中国青年政治学院
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28;D923.8

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