我国互联网金融消费者权益保护法律问题研究

发布时间：2018-04-15 05:21

本文选题：互联网金融 + 互联网金融消费者　；参考：《河北经贸大学》2017年硕士论文

【摘要】：互联网金融可谓是近年来最炙手可热的创新模式,它是“大众创新、万众创业”的典范,它的出现为我国金融改革和创新提供了可能。2015年互联网金融市场内频繁发生“e租宝”事件,使其成为互联网金融模式衍生以来的最低谷的一年,互联网金融消费者的权利保障已经成为人们最备受关注的重要问题,然而我国对于互联网金融消费者权利保障的探究还不甚成熟,值得进一步深入研究。作者运用实证分析和比较分析等方法进行探究,针对一些具体方面也采用了实证分析和比较分析方法,来研究我国互联网金融消费者权利保障的现实情况及其存有的问题,并参考域外的最新发展动向,对健全我国互联网金融消费者权利保障提出自己的思考。除了引言和结论外,文章主要包括以下四个部分:第一部分是对互联网金融消费者权益保护相关概述。在论述互联网金融内涵和特征的基础上,对互联网金融消费者的内涵和范围进行界定,分析出互联网金融消费者在主体范畴等方面的相对特殊性。重点关注互联网金融消费者权利保障中的一般法律问题,分析互联网金融市场中的法律关系,对互联网金融消费者的权利内容进行划定,并阐述该领域侵权行为的具体表现形式及其归责原则。第二部分是我国互联网金融消费者权益保护存在的问题及成因。从立法、监管、纠纷解决机制等方面阐述我国互联网金融消费者权利保障现实情况,分析我国在该领域权利保障方面存在的一些具体问题和产生这些问题的具体成因。第三部分是国外互联网金融消费者权利保障制度的借鉴。通过阐述和分析美国、英国和日本等域外国家,在互联网金融领域保护消费者权利方面的法律规范、监管制度以及纠纷解决机制,为我国互联网金融消费者权利保障提供借鉴。第四部分为完善互联网金融消费者权利保障的思考,它是全文的核心内容。作者主张:健全互联网金融消费者权利保障的相关法律规范体系,制定独立专门保护互联网金融消费者权益的法律规范,完善对其特殊权利的保障。健全互联网金融监管体系从政府、互联网金融机构、行业协会等三方面丰富监管模式。创立多元化互联网金融领域的纠纷解决机制,疏通纠纷解决的投诉处理渠道,尝试建立第三方解决纠纷方式。增强社会诚信体系建设,引入保险机制,加强互联网金融消费者的自我保护能力,完备我国互联网金融消费者权益保护的配套措施。
[Abstract]:Internet finance can be described as the hottest innovation model in recent years, it is the model of "mass innovation, mass entrepreneurship".It provides the possibility for the financial reform and innovation in our country. In 2015, the "e-zangbao" event occurred frequently in the Internet financial market, making it the lowest year since the Internet financial model was derived.The protection of the rights of Internet financial consumers has become the most important issue that people pay close attention to. However, the research on the protection of the rights of Internet financial consumers in China is still not mature, and it is worth further study.The author uses the methods of empirical analysis and comparative analysis to study the real situation and existing problems of consumer rights protection in Internet finance in China.With reference to the latest development trend of foreign countries, the author puts forward his own thinking on how to improve the protection of the rights of Internet financial consumers in China.In addition to the introduction and conclusion, the article mainly includes the following four parts: the first part is an overview of Internet financial consumer rights and interests protection.On the basis of discussing the connotation and characteristics of Internet finance, this paper defines the connotation and scope of Internet financial consumers, and analyzes the relative particularity of Internet financial consumers in the subject category and so on.Focusing on the general legal issues in the protection of the rights of Internet financial consumers, analyzing the legal relations in the Internet financial markets, and defining the content of the rights of Internet financial consumers.And expounds the specific form of tort in this field and its imputation principle.The second part is the problems and causes of protecting the rights and interests of Internet financial consumers in China.From the aspects of legislation, supervision and dispute resolution mechanism, this paper expounds the reality of the protection of the rights of Internet financial consumers in China, and analyzes some specific problems in the field of rights protection in China and the causes of these problems.The third part is the foreign Internet financial consumer rights protection system reference.Through expounding and analyzing the legal norms, supervision system and dispute resolution mechanism of protecting consumers' rights in the field of Internet finance in the foreign countries such as the United States, Britain and Japan, this paper provides a reference for the protection of consumers' rights in Internet finance in our country.The fourth part is to improve the Internet financial consumer rights protection, it is the core content of the full text.The author advocates: perfecting the relevant legal normative system of Internet financial consumers' rights protection, making independent and specialized legal norms to protect the rights and interests of Internet financial consumers, and perfecting the protection of their special rights.Improve the Internet financial regulatory system from the government, Internet financial institutions, industry associations, such as three rich regulatory models.It is necessary to establish a diversified dispute resolution mechanism in the field of Internet finance, to dredge the channels for handling disputes, and to try to establish a third party way of resolving disputes.Strengthening the construction of social credit system, introducing insurance mechanism, strengthening the self-protection ability of Internet financial consumers, and perfecting the supporting measures of protecting the rights and interests of Internet financial consumers in China.
【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8

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