金融消费者安全保障权的法律保护

发布时间：2018-01-25 07:19

本文关键词： 金融消费者安全保障权金融监管法律保护　出处：《中国社会科学院研究生院》2015年硕士论文　论文类型：学位论文

【摘要】：2014年3月5日新修订的《消费者权益保护法》在全国正式实施并在新中国成立后的立法史上金融消费第一次被纳入消费者的权益保护体系之中。它作为保护消费者最基本权益的核心法律,对于消费者基本权利部分的规定,是本部法律的点睛之笔。同时,随着对金融消费者保护的意识提高,金融消费者安全保障权作为金融消费者的基本权利之一,必将成为构建我国整个金融消费者权利保护体系的根本。由于金融消费者安全保障权的概念、具体内容、如何实现其有效保护等问题都悬而未决,这些将是本文重点探讨的问题。文章的内容分为以下四个部分:第一部分是金融消费者的安全保障权益相关概念的探讨。首先阐释了金融消费者概念界定和争议,还包含着对金融消费者安全保障权概念的限制、扩张与内涵的分析,以期对金融消费者安全保障权保护的理论进行讨论前提的明确。第二部分对金融消费者保护相关的经济、法学理论进行说明,通过对金融消费者安全保障权保护的理论基础的论证,以及消费者在金融消费的现实中所面临的保护困境,突出了安全保障权保护的必要性。第三部分介绍国外及台湾地区有关金融消费权益保护经验的探究。其中包括国外目前对金融消费者资产安全保障的相关措施,核心内容包括有立法层面,机构保护层面,金融消费者的教育层面以及专门的纠纷处理层面等多个方面;第四部分结合我国现状,通过对当前金融消费者安全保障权保护面临的问题进行反思,对其保护的途径进行探索和设计,试图从制度、意识、监管、救济等方面全方位、多角度的实现我国完善的金融消费者安全保障权保护体系的构建。
[Abstract]:In March 5th 2014, the newly revised Law on the Protection of Consumer Rights and interests was formally implemented throughout the country and, for the first time in the legislative history of the founding of New China, financial consumption was brought into the protection system of consumers' rights and interests. The core law that protects the most basic rights and interests of consumers. The regulation of the basic rights of consumers is the finishing touch of this part of the law. At the same time, with the awareness of the protection of financial consumers, the right to security of financial consumers as one of the basic rights of financial consumers. It will become the foundation of constructing the whole financial consumer right protection system in our country. Due to the concept, concrete content and how to realize the effective protection of the financial consumer's security right, etc. These issues will be discussed in this paper. The content of the article is divided into the following four parts:. The first part is the discussion of the related concepts of the security rights and interests of financial consumers. Firstly, it explains the definition and controversy of the concept of financial consumers. It also includes the limitation, expansion and analysis of the concept of financial consumers' right to safety protection. With a view to the financial consumer protection of the right to safety and protection of the theoretical premise of a clear discussion. The second part of the financial consumer protection related to economic, legal theory to explain. Through the theoretical basis of the protection of the right to security of financial consumers, and consumers in the reality of financial consumption in the protection of the plight. The third part introduces the experience of foreign countries and Taiwan about the protection of financial consumption rights and interests. It includes the relevant measures of financial consumer assets security in foreign countries. The core contents include legislative level, institutional protection level, financial consumer education level and special dispute management level. Part 4th combined with the current situation of China, through the current financial consumer security rights protection problems faced by reflection, to explore and design the way of protection, trying to from the system, awareness, supervision. In the aspect of relief and so on, the construction of perfect financial consumer security protection system is realized from various angles.
【学位授予单位】：中国社会科学院研究生院
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8

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