中日金融消费者权益保护比较研究

发布时间：2018-02-27 04:41

本文关键词： 金融消费者权益保护日本　出处：《天津大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着我国资本市场改革的深入进行和金融领域的进一步发展,以及我国金融商品与服务的创新程度和水平的不断提升,我国金融消费者群体也随之逐渐壮大起来,金融交易纠纷的数量也随之迅速攀升。因此就出现了很多金融交易纠纷类的法律案件,但是由于我国相关法律规定很少,导致法院的判决不一致。这些案件不仅仅关系到金融消费者的合法权益,而且对今后的金融市场秩序有一定的引导作用,也会影响到金融稳定和安全。各个国家纷纷采取立法的形式来加强对金融消费者权益的保护,这在世界上形成了一种保护金融消费者合法权益的立法趋势,与此同时加强对我国金融消费者权益的保护并建立和完善适合我国国情的金融消费者权益保护制度成为重大课题。本文以加强对我国金融消费者权益的保护作为论证的核心。首先通过对金融消费者这个基本概念的界定,说明保护主体,厘清逻辑论证的起点。在此基础上明确金融消费者权利的内容,明确保护客体。在此前提下,本文较为全面的分析了我国金融消费者权益保护的立法现状、实践当中存在的问题及实践中有利于金融消费者权益保护的有益探索。然后对于日本的金融消费者权益保护制度进行了较为深入的分析,并总结其保护经验。然后对于中日两国的金融消费者权益保护制度进行了对比分析。最后结合我国实际情况在立法、金融监管目标、统一保护机构体系、权利救济机制和金融消费者教育等方面提出了完善我国金融消费者权益保护制度的建议。
[Abstract]:With the deepening of the capital market reform and the further development of the financial field, as well as the innovation degree and level of the financial goods and services, the financial consumer group in our country has gradually expanded. The number of financial transaction disputes is also rising rapidly. As a result, there have been many legal cases of financial transaction disputes, but there are very few relevant laws and regulations in our country. These cases not only concern the legitimate rights and interests of financial consumers, but also play a guiding role in the financial market order in the future. It will also affect financial stability and security. Various countries have taken the form of legislation to strengthen the protection of the rights and interests of financial consumers, which has formed a legislative trend in the world to protect the legitimate rights and interests of financial consumers. At the same time, strengthening the protection of the rights and interests of financial consumers in our country and establishing and perfecting the system of protecting the rights and interests of financial consumers suitable for the national conditions of our country has become an important subject. The core of the argument. First, through the definition of the basic concept of financial consumers, Explain the subject of protection, clarify the starting point of logical argumentation. On this basis, clear the content of financial consumer rights and clear protection of the object. On this premise, this paper comprehensively analyzes the current legislative situation of the protection of the rights and interests of financial consumers in China. The problems existing in practice and the beneficial exploration in practice conducive to the protection of the rights and interests of financial consumers. Then, it makes a more in-depth analysis of Japan's financial consumer rights and interests protection system. And summarizes its protection experience. Then carries on the comparative analysis to the financial consumer rights and interests protection system of China and Japan. Finally unifies the protection organization system in the legislation, the financial supervision target, the unifying protection institution system combining the actual situation of our country, The rights relief mechanism and financial consumer education are put forward to perfect the financial consumer rights protection system in China.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8

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