县域金融消费者权益保护问题及对策研究

发布时间：2018-04-24 17:53

本文选题：金融消费者 + 权益保护　；参考：《西北农林科技大学》2016年硕士论文

【摘要】：金融是现代经济发展的核心,而金融消费者作为金融业直接服务对象,在金融行业的发展历程中作用极大,实现了金融行业在县域之间的基本覆盖,包括了农村地区,在我国县域金融资源优化配置过程中,金融消费者发挥着不可或缺的作用。但是长期以来,县域金融消费者合法权益得不到应有的保护,严重影响了区域金融市场的运行质量,不利于区域金融的科学、可持续发展。研究金融发展与金融消费者权益保护之间的关系,对于维护金融消费者权益,推动县域金融消费市场健康发展具有重要意义。本文以金融消费侵权行为已经引起全社会的广泛关注,在县域范围内金融消费者权益保护问题面临着市场失灵和监管低效等诸多难题为背景,基于金融消费者尚没有一个公认的权威定义的基础上,结合我国城乡金融二元结构及普通消费者概念,提出了金融消费者及县域金融消费者的概念和权利,分析了金融消费者概念的实践意义,并以信息不对称、自然垄断、政府失灵等理论为指导,开展对陕西省定边县金融消费者问卷调查的基础上,详述了县域金融消费领域常见侵权行为及原因,列举了金融产品强制搭售、银行收费、信息披露等方面的侵权现状,结合问卷调查结果,分析了县域金融消费领域的特征。从法律依据、金融监管、金融市场和金融信息四个角度阐述了我国县域金融消费者权益保护面临的困境,从法律制度因素、监管机制因素、金融监管因素、金融机构因素、金融消费者因素等五方面的进行成因阐述。通过分析美英日等发达国家金融消费者权益保护在法、机构设置和金融教育等方面的成熟经验,认为采取金融消费保护单独立法、设立独立专门的保护机构、建立金融消费教育模式和构建第三方的金融纠纷解决机构等是维护金融市场健康稳定的有效举措,进而提出了构建金融消费者保护的制度体系、完善金融消费者保护的教育体系、加强县域金融消费者权益保护、推动普惠金融的发展、夯实县域金融消费者权益保护基础等保护县域金融消费者权益的政策建议。
[Abstract]:Finance is the core of modern economic development, and financial consumers, as direct service objects of financial industry, play a very important role in the development of financial industry, and realize the basic coverage of financial industry between counties, including rural areas. In the process of optimizing the allocation of financial resources at county level, financial consumers play an indispensable role. However, for a long time, the legitimate rights and interests of county financial consumers can not be protected, which seriously affects the operation quality of regional financial markets and is not conducive to the scientific and sustainable development of regional finance. The study of the relationship between financial development and the protection of financial consumers' rights and interests is of great significance for safeguarding the rights and interests of financial consumers and promoting the healthy development of the county financial consumption market. The background of this paper is that the financial consumption tort has attracted the attention of the whole society, and the protection of the rights and interests of the financial consumers in the county area is facing many difficult problems, such as market failure and inefficient supervision. Based on the lack of a recognized authoritative definition of financial consumers, the concept and rights of financial consumers and county financial consumers are put forward in combination with the dual structure of urban and rural finance and the concept of ordinary consumers. This paper analyzes the practical significance of the concept of financial consumer, and, guided by the theories of information asymmetry, natural monopoly and government failure, carries out a questionnaire survey on financial consumers in Dingbian County, Shaanxi Province. This paper expounds the common tort behavior and reasons in the field of financial consumption in county area, lists the status quo of infringing on compulsory tying of financial products, bank charges and information disclosure, and analyzes the characteristics of financial consumption field in county area based on the results of questionnaire survey. From the four angles of legal basis, financial supervision, financial market and financial information, this paper expounds the difficulties faced by the protection of the rights and interests of financial consumers in county areas in our country, from the aspects of legal system factors, supervision mechanism factors, financial supervision factors, financial institution factors, Financial consumer factors and other five aspects of the causes of explanation. By analyzing the mature experience of financial consumer rights and interests protection in developed countries, such as the United States, Britain and Japan, in the fields of law, institution setting up and financial education, it is considered that separate legislation should be adopted to protect financial consumption, and independent and specialized institutions should be set up. The establishment of financial consumption education model and the establishment of third-party financial dispute resolution institutions are effective measures to maintain the health and stability of the financial market, and then put forward the establishment of a financial consumer protection system. Improve the education system of financial consumer protection, strengthen the county financial consumer rights and interests protection, promote the development of inclusive finance, consolidate the county financial consumer rights and interests protection foundation and other policy recommendations to protect the county financial consumers' rights and interests.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D923.8

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