论银行理财产品的消费者知情权保护

发布时间：2018-04-24 22:31

本文选题：理财产品 + 知情权　；参考：《法制与经济》2016年05期

【摘要】：银行理财产品消费者知情权保护,是由于目前银行理财产品在合同条款设计、产品销售、纠纷解决等方面均存在不利于消费者利益的问题,在法律法规文本中也存在不足之处。鉴于目前银行理财产品及其制度规定存在的问题,需要将金融消费者纳入《消费者权益保护法》的保护范畴,强化银行在理财产品中的销售说明义务、特别风险提醒义务、临时告知及时提醒义务,在纠纷中由银行负担举证责任。近年来,银行理财产品日趋多样化,银行理财交易过程中消费者知情权侵害问题凸显,如信息披露不完全、风险提示义务不履行、银行与消费者信息不对称等现象,导致消费者处于弱势地位。文章试图从银行理财产品中消费者知情权问题出发,为我国银行理财方面提供意见与建议。
[Abstract]:The protection of consumers' right to know about banking financial products is due to the fact that at present there are unfavorable problems in the design of contract terms, product sales, dispute resolution and so on, and there are also deficiencies in the text of laws and regulations. In view of the problems existing in banking financial products and their regulations, it is necessary to bring financial consumers into the protection category of the Consumer Rights and interests Protection Act, to strengthen the obligation of banks to explain their sales in financial products, and to remind them of special risks. Temporary notification timely reminder obligation, in the dispute by the bank bear the burden of proof. In recent years, banking financial products are becoming more and more diversified, and the infringement of consumers' right to know in the process of banking transactions is highlighted, such as incomplete disclosure of information, failure to fulfill the obligation of risk prompting, asymmetric information between banks and consumers, and so on. The result is that consumers are in a weak position. This paper attempts to provide advice and suggestions for banking financial management in China from the perspective of consumers' right to know in banking products.
【作者单位】：南昌大学法学院;
【分类号】：D923.8

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