金融消费者信息权的法律保护研究

发布时间：2018-01-21 06:44

本文关键词： 金融消费者金融消费者信息权金融监管救济　出处：《烟台大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着金融业信息化的发展,信息的价值日益凸显,是否拥有足够的信息被看做经济竞争能否取胜的关键。互联网金融的崛起,金融混业经营的趋向使得金融信息的流动、共享无法避免,与此同时也加剧了信息不当披露的风险。金融领域的消费与日常消费有所不同,前者具有较大的不确定性以及风险性,弱势的金融消费者面对相对强势的金融机构,有必要对其进行特殊保护,以维护其合法权益。金融消费者信息权作为一种绝对权,具备法定性,同时兼具人格权和财产权的属性,与隐私权存在明显差别。这一权利能够增强消费者主动控制和处置自己信息的能力,有助于提高消费者的主动自我保护意识。当前我国普遍存在侵害金融信息权益的情形,在保护实践方面存在诸多问题。通过考察域外对金融消费者信息权的保护,需要借鉴先进的保护理念和做法,并综合考虑我国现实,从法律制度设计、监管体系完善、救济渠道畅通等路径来对金融消费者信息权实施有效的保护。
[Abstract]:With the development of financial information, the value of information is becoming more and more prominent. Whether there is enough information is regarded as the key to the success of economic competition, and the rise of Internet finance. The trend of financial mixed operation makes the flow of financial information, sharing can not be avoided, at the same time, it also intensifies the risk of improper disclosure of information. The financial sector of consumption is different from daily consumption. The former has greater uncertainty and risk, weak financial consumers face relatively strong financial institutions, it is necessary to carry out special protection. In order to safeguard its legitimate rights and interests. Financial consumer information right as an absolute right, with legal nature, at the same time, both personality and property rights attributes. There is a clear difference from the right to privacy, which enhances consumers' ability to actively control and dispose of their own information. It helps to improve consumers' awareness of active self-protection. At present, there are widespread violations of financial information rights and interests in China. There are many problems in the protection practice. By investigating the protection of financial consumers' information right, we need to draw lessons from advanced protection concepts and practices, and comprehensively consider the reality of our country, from the legal system design. Perfect supervision system, unblocked relief channels and other paths to effectively protect financial consumers' right to information.
【学位授予单位】：烟台大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923

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