我国农村金融消费者权益保护研究

发布时间：2018-08-23 19:56

【摘要】：近年来,随着我国金融业的不断发展,金融市场改革日益加快,金融产品推崇出新,而农村金融是我国金融系统中的"短板",究其原因,农村金融消费者作为金融交易中弱势的一方,金融知识的匮乏、维权意识薄弱,随之而来的权益被侵害的情况屡见不鲜,严重阻碍农村金融的发展,农村金融消费者的权益保护显得尤为必要。后危机时代的来临使得金融消费者的权益保护问题迫在眉睫,农业的发展使得对农村金融消费者权益保护的研究十分迫切。学界对金融消费者的概念尚争论不休,法律上也未曾对金融消费者的概念进行明确的界定,实践上对于金融消费者权益保护的规定也相当零散。因此,笔者从法律的层面对农村金融消费者的权益保护问题进行深入研究,通过对金融发展过程中的"短板"之农村金融消费者权益保护的研究,以期达到对金融消费者权益保护之大局。当前学界对于金融消费者的概念还未有统一界定,通过对学界争论不断的金融消费者概念的界定作出梳理,本文提出金融消费者的内涵即购买金融产品、接受金融服务的自然人;外延排除机构类投资者,涵盖银行业消费者以及保险业消费者。在此基础上,将农村金融消费者界定为购买金融产品、接受金融服务的农村居民。并从农村金融机构、农村金融消费行为、农村金融消费者的特殊性中得出农村金融消费者的特殊地位。接着列举出农村金融消费者的主要权利内容,并对金融消费者权益保护的法学理论基础加以分析,为农村金融消费者的权益保护提供理论依据。随后,本文结合我国农村金融消费者保护现状,对侵害农村金融消费者权益的类型、我国对农村金融消费者权益的立法保护以及我国农村金融消费者的维权状况加以分析并找出其中存在的问题。接着,笔者着重通过我国农村金融消费者权益保护现状分析,对影响我国农村金融消费者权益保护的因素进行论述,指出我国农村金融消费者权益的保护之所以产生诸多的问题,是因为我国法律、监管上存在缺位,并且我国农村金融消费者的维权机制与救济机制都尚不完善,加上我国农村市场的特殊性,这些就导致了我国农村金融消费者权益保护存在漏洞。通过前文从理论上、实践上以及根源上对农村金融消费者权益保护进行全面分析,笔者有针对性地提出了事前保护、事后救济及完善保护机制的法律对策。
[Abstract]:In recent years, with the continuous development of China's financial industry, the financial market reform is accelerating day by day, and the financial products are praised as new, while the rural finance is the "short board" in the financial system of our country. Rural financial consumers as a weak party in financial transactions, the lack of financial knowledge, weak awareness of rights and interests, followed by common violations of rights and interests, seriously hinder the development of rural finance, It is particularly necessary to protect the rights and interests of rural financial consumers. The coming of the post-crisis era makes the protection of the rights and interests of the financial consumers urgent, and the development of agriculture makes the research on the protection of the rights and interests of the rural financial consumers urgent. The concept of financial consumers has not been clearly defined in the law, and the provisions on the protection of financial consumers' rights and interests have been scattered in practice. Therefore, the author carries on the thorough research from the legal level to the rural financial consumer's rights and interests protection, through to the financial development process "the short board" the rural financial consumer rights protection research, In order to achieve the overall situation of financial consumer rights and interests protection. At present, the concept of financial consumer has not been uniformly defined in academic circles. By combing the definition of the concept of financial consumer, this paper puts forward the connotation of financial consumer that is to buy financial products. Natural persons receiving financial services; excluding institutional investors, including banking consumers and insurance consumers. On this basis, rural financial consumers are defined as rural residents who purchase financial products and receive financial services. The special status of rural financial consumers is derived from the particularity of rural financial institutions, rural financial consumption behavior and rural financial consumers. Then it enumerates the main rights of rural financial consumers and analyzes the legal theoretical basis of the protection of financial consumers' rights and interests in order to provide a theoretical basis for the protection of rural financial consumers' rights and interests. Then, according to the current situation of rural financial consumer protection in China, this paper analyzes the types of infringement on rural financial consumers' rights and interests. The legislative protection of the rights and interests of rural financial consumers and the situation of protecting the rights of rural financial consumers in China are analyzed and the existing problems are found out. Then, through the analysis of the current situation of the protection of rural financial consumers' rights and interests, the author discusses the factors that affect the protection of rural financial consumers' rights and interests. It is pointed out that many problems arise in the protection of the rights and interests of rural financial consumers in our country because of the absence of laws and regulations in our country, and the imperfect mechanism of safeguarding the rights and remedies of rural financial consumers in our country. In addition, the particularity of our country's rural market leads to the existence of loopholes in the protection of the rights and interests of rural financial consumers. Through the comprehensive analysis of the protection of the rights and interests of the rural financial consumers in theory, practice and origin, the author puts forward the legal countermeasures to protect the rights and interests of the rural financial consumers in advance, after the relief and the perfection of the protection mechanism.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8

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