互联网金融消费者权益保护法律制度研究

发布时间：2018-02-26 04:18

本文关键词： 互联网金融金融消费者权益保护法律制度　出处：《江西财经大学》2016年硕士论文　论文类型：学位论文

【摘要】：随着信息技术的快速发展,信息社会变革已改变人类社会传统的生活方式,其中互联网带来的巨大推动力已逐步深入到金融市场体系的众多领域。2013年以来,以第三方支付、P2P网络贷款、众筹融资等为代表的互联网金融业务快速增长,在为金融消费者提供更加便利服务的同时,进而也引发了消费者权益保护之忧。由于互联网金融具有典型的“跨市场、跨行业、无国界、产品类型多、创新快”等特征,互联网金融消费者能够随时随地在互联网上寻找所需要的金融资源,金融服务更直接,且消费者更为广泛。而在这种互联网金融模式下往往具有交易信息不对称、主体地位不平等、资金安全存隐患、个人隐私易泄露等风险。因此,在这种特殊的互联网金融模式下,加强互联网金融消费者权益保护的迫切性和必要性日益凸显。互联网金融作为一种新兴模式,其发展速度快,创新性强,而相关立法及法律的修订无法及时跟进,导致我国在互联网金融消费者权益保护法律制度呈现滞后性,以及部分法律法规相对缺失,法律框架和司法救济有待完善,因此强化我国互联网金融消费者权益保护,理应对相关的法律制度进行研究,为互联网金融消费者权益的实现,提供一个坚实的法律基础与保障,实现有法可依,推动我国依法治国的进程。国外互联网金融消费者权益保护法律制度和监管制度对我国强化互联网金融消费者权益保护制度具有一定的借鉴意义,我国在互联网金融消费者权益保护法律制度建设方面可以积极借鉴国外的法律制度、监管制度,以及纠纷解决制度的有益经验。在借鉴国外经验的基础上,通过以下两个方面对我国互联网金融消费者权益保护法律机制方面进行完善:一方面,积极建立与我国当前互联网金融环境下相匹配的法律制度、监管制度与司法制度,保证互联网金融消费者有法可依,为互联网金融消费者提供法律与制度支持;另一方面,在完善以上相关制度的基础之上,还需要加强行业自律和加强互联网金融消费者的风险教育。
[Abstract]:With the rapid development of information technology, the transformation of the information society has changed the traditional way of life of human society, in which the huge impetus brought by the Internet has gradually penetrated into many fields of the financial market system. Since 2013, Internet financial services, represented by third-party payment of P2P network loans and crowdfunding, have grown rapidly, providing more convenient services for financial consumers. This also raises concerns about the protection of consumers' rights and interests. Because Internet finance has the typical characteristics of "cross-market, cross-industry, borderless, multi-product types, fast innovation," and so on. Internet financial consumers can find the necessary financial resources on the Internet anytime and anywhere. The financial services are more direct and consumers are more extensive. Such risks as unequal status of the subject, hidden dangers to the security of funds, easy disclosure of personal privacy, and so on. Therefore, under this special Internet financial model, The urgency and necessity of strengthening the protection of consumers' rights and interests in Internet finance are becoming increasingly prominent. As a new model, Internet finance is developing rapidly and innovatively, but the relevant legislation and laws can not be followed up in time. As a result of the lag in the legal system of protecting the rights and interests of Internet financial consumers in our country, and the relative absence of some laws and regulations, the legal framework and judicial relief need to be improved, so we should strengthen the protection of the rights and interests of Internet financial consumers in our country. The relevant legal system should be studied to provide a solid legal basis and guarantee for the realization of the rights and interests of Internet financial consumers. To promote the process of governing the country according to law in our country. The foreign legal system and supervision system of Internet financial consumers' rights and interests protection have certain reference significance to strengthen the Internet financial consumers' rights protection system in our country. Our country can learn from the beneficial experience of foreign legal system, supervision system and dispute resolution system in the construction of legal system of Internet financial consumer rights protection. Through the following two aspects to improve the legal mechanism for the protection of the rights and interests of Internet financial consumers in China: on the one hand, we should actively establish a legal system that matches the current Internet financial environment of our country, a regulatory system and a judicial system. To ensure that Internet financial consumers have laws to abide by, and to provide legal and institutional support for Internet financial consumers; on the other hand, on the basis of perfecting the above related systems, Also need to strengthen industry self-discipline and strengthen Internet financial consumer risk education.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D923.8

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