金融消费者知情权保障研究

发布时间：2018-03-17 03:13

本文选题：金融消费　切入点：金融消费者　出处：《云南财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：在美国金融危机使全球资本市场继续波动之后,金融可以被描述为现代经济的核心。深思金融危机的发生,金融消费者权益保障不充分是致使危机发生的主要原因之一。随着我国改革开发的不断深入,在顺应国际金融发展趋势的同时,也将面临着更多对金融消费者权益保护的挑战,在目前的国内外形势下,金融消费者知情权保护的显得更为重要。在当前金融业环境下,金融产品的设计越来越复杂。随着金融业的发展,金融产品的创新迅速加快。金融业突破了原有业务边界的限制,使金融产品和服务更加全面、全面、专业。鉴于金融业的发展趋势,金融产品的设计将更加复杂和专业,对于普通消费者购买金融产品与享受金融服务来说,信息不对称更加突出,消费者的不利地位更加明显。在金融交易的过程中,金融产品与服务的提供者往往依靠自身的信息优势,故意隐藏金融产品的重要信息,使得金融消费者无法获取全面具体客观的信息,误导金融消费者,侵害金融消费者知情权。鉴于此,本文首先回顾了金融消费者知情权的基本特征和相关理论,然后分析了金融消费者知情权保护的现状,并从三个发达国家英国、澳大利亚和美国的国家制度和相关法律法规中学习相优秀的制度与体系,找到适合我国土壤的保护金融消费者权利方式,以期望重塑民众对金融市场的信心,稳定金融市场的秩序。
[Abstract]:After the US financial crisis continued to fluctuate the global capital markets, finance could be described as the core of the modern economy. Inadequate protection of financial consumers' rights and interests is one of the main causes of the crisis. With the deepening of China's reform and development, it will also face more challenges to the protection of financial consumers' rights and interests while complying with the trend of international financial development. In the current situation at home and abroad, the protection of financial consumers' right to know becomes more and more important. In the current financial industry environment, the design of financial products is becoming more and more complicated. With the development of financial industry, The innovation of financial products is speeding up rapidly. The financial industry has broken through the limitations of the original business boundaries, making financial products and services more comprehensive, comprehensive and professional. In view of the development trend of the financial industry, the design of financial products will be more complex and professional. For ordinary consumers to buy financial products and enjoy financial services, information asymmetry is more prominent, consumers' disadvantage is more obvious. In the process of financial transactions, Providers of financial products and services often rely on their own information advantages, deliberately hide important information of financial products, so that financial consumers can not obtain comprehensive, specific and objective information, mislead financial consumers. In view of this, this paper first reviews the basic characteristics and relevant theories of financial consumers' right to know, then analyzes the present situation of the protection of financial consumers' right to know, and from three developed countries, Britain, Australia and the United States have learned excellent institutions and systems from national systems and related laws and regulations to find ways to protect the rights of financial consumers that are suitable for our country's soil, in the hope of restoring people's confidence in the financial market. To stabilize the order of financial markets.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8

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