我国金融消费纠纷解决机制研究

发布时间：2018-06-20 00:15

本文选题：金融消费者 + 金融消费纠纷　；参考：《重庆大学》2015年硕士论文

【摘要】：近年来,在我国金融事业快速发展、金融创新不断深化的同时,金融消费纠纷频增,消费者维权难度增大,引起了广大民众的不满。众所周知,金融消费纠纷产生的主要原因在于金融产品设计日益复杂,而金融机构与金融消费者之间信息获取、辨识、分析能力差异明显,导致双方不对等性增大、金融纠纷频发。但如果发生金融消费纠纷之后能及时采取适当措施处理金融消费纠纷,就可以避免不必要的损失,维护消费者合法权益,实现双赢的效果。那么,建立一套完整系统的金融消费纠纷解决机制至关重要,其不仅关乎金融消费者的利益保护,也关乎金融机构的未来发展,更关乎整个金融市场的稳定。虽然近几年我国开始从制度层面建立纠纷解决机制,但目前仍很不成熟,存在诸多问题亟待解决。鉴于此,本文就金融消费纠纷解决机制这一热点开展了系列研究,首先对论题涉及的基本概念及范畴进行了介绍,然后介绍了三个国家或地区在金融消费纠纷解决机制方面的做法及先进经验,同时分析、总结我国现有的纠纷解决机制存在的问题,立足成本效益控制和消费者倾斜保护两个基本点,从机制构建的理念革新、完善金融消费纠纷解决机制相关立法、健全纠纷解决机制等方面提出了一些建议。本文共分为六个部分:第一部分是文章绪论部分;第二部分是对金融消费纠纷机制的一般解读;第三部分是对英、日和我国台湾地区金融消费纠纷解决机制的介绍及其启示;第四部分是我国金融消费纠纷机制的现状及存在的问题;第五部分则是对我国金融消费纠纷解决机制的思考和具体建议;第六部分是结语,对全文做了总结。第一部分主要介绍了文章的研究目的、研究意义、国内外研究现状、主要内容、创新之处和不足,对文章总体构架进行了简要概述。第二部分通过概念比较的方式分别对金融消费者、金融消费纠纷和金融消费纠纷解决机制的内涵进行了界定,为后文对金融消费纠纷解决机制的分析提供理论基石。第三部分重点介绍了英国、日本和我国台湾地区在处理金融消费纠纷方面的做法和先进经验,从金融消费者保护立法、第三方纠纷解决机构、补偿机制等方面介绍了各国以及地区的具体举措,为我国在建立独有的金融纠纷解决机制方面总结了宝贵的经验。第四部分是本文重点,着重介绍了我国金融消费纠纷机制存在的问题,提出我国目前在金融消费纠纷解决机制方面存在法律法规不健全、缺乏多元化纠纷解决机制、机制之间衔接不足等问题。此部分对我国在纠纷解决机制方面的剖析与第三部分中其他各国或地区的先进经验形成鲜明对比,为第五部分中对我国金融纠纷解决机制的思考和具体建议设定了前提。第五部分是本文落脚点,即针对现存的问题提出具体的建议和对策,从金融改革观念革新、完善金融消费纠纷解决机制立法、建立多元金融消费纠纷解决机制、做好诉讼与非诉讼机制的衔接等四个方面提出了自己的建议。最后结语部分重申在金融创新浪潮中不断深化金融改革,建立多元化金融消费纠纷解决机制的必要性和重要性。
[Abstract]:In recent years, with the rapid development of China's financial industry and the deepening of financial innovation, the frequency of financial consumption increases and the difficulty of consumers' rights to rights increases, which has caused the dissatisfaction of the masses. It is well known that the main reason for the emergence of the financial consumption disputes lies in the complexity of the financial product design, and the information between financial institutions and the financial consumers. There are obvious differences in the ability to take, identify and analyze the differences between the two sides, which causes the two sides to be unequal and the financial disputes occur frequently. But if the financial consumption disputes can be taken in time after the financial consumption disputes, we can avoid unnecessary losses, safeguard the legitimate rights and interests of consumers and achieve a win-win result. Then, establish a complete system of gold. It is very important to solve the dispute settlement mechanism, which is not only related to the protection of the interests of financial consumers, but also about the future development of financial institutions and the stability of the whole financial market. Although our country has set up a dispute settlement mechanism from the institutional level in recent years, it is still very immature and there are many problems to be solved. In this paper, this paper A series of studies have been carried out on the hot spot of the settlement mechanism of the financial consumption disputes. First, the basic concepts and categories involved in the thesis are introduced. Then the practice and advanced experience of the three countries or regions in the settlement mechanism of the financial consumption disputes are introduced. At the same time, the existing problems of the existing dispute settlement mechanism in China are analyzed, and the existing problems of the existing dispute settlement mechanism in China are summarized. The two basic points of the cost benefit control and the consumer inclination protection are put forward from the concept innovation of the mechanism, the improvement of the relevant legislation on the settlement mechanism of the financial consumption disputes, and the improvement of the dispute settlement mechanism. This article is divided into six parts: the first part is the introduction part of the article; the second part is the financial consumption dispute machine. The general interpretation of the system; the third part is the introduction and Enlightenment of the settlement mechanism of financial consumption disputes in Britain, Japan and Taiwan; the fourth part is the current situation and existing problems of our country's financial consumption dispute mechanism; the fifth part is the thinking and concrete proposals for the settlement mechanism of the financial consumption disputes in China; the sixth part is the conclusion, The first part mainly introduces the purpose of the study, the significance of the research, the current research status at home and abroad, the main content, the innovation and the shortage, the general framework of the article is briefly outlined. The second part, through the way of comparison of concepts to financial consumers, financial consumption disputes and the settlement mechanism of financial consumption disputes. The connotation is defined to provide the theoretical foundation for the analysis of the settlement mechanism of the financial consumption disputes. The third part introduces the practice and advanced experience in dealing with the financial consumption disputes in Britain, Japan and the Taiwan region of our country, and introduces the legislation of the financial consumer protection, the third party dispute settlement agencies and the compensation mechanism. The specific measures of various countries and regions have been made to sum up valuable experience for the establishment of unique financial dispute settlement mechanism in China. The fourth part is the focus of this article, focusing on the problems existing in the mechanism of our country's financial consumption disputes, and putting forward that the existing laws and regulations in the settlement mechanism of the financial consumption disputes are not sound and lack in our country. This part makes a clear contrast between the analysis of the dispute settlement mechanism and the advanced experience of other countries or regions in the third part, and sets the premise for the thinking and specific suggestions for the settlement mechanism of our financial disputes in the fifth part. The fifth part is this At the end of this article, we put forward some suggestions and Countermeasures against the existing problems, and put forward their own suggestions from four aspects: Reform of the concept of financial reform, the improvement of the legislation of the settlement mechanism of financial consumption disputes, the establishment of multiple financial consumption dispute settlement mechanism, and the connection of litigation and non litigation mechanism. In the new wave, it is necessary and important to deepen financial reform and establish diversified financial consumption dispute resolution mechanism.
【学位授予单位】：重庆大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

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