互联网金融消费者求偿权的保障机制研究

发布时间：2018-09-02 06:54

【摘要】：互联网技术飞速发展,使得传统金融行业的发展模式也发生了翻天覆地的变化。“互联网金融”一词也越来越受到了人们的关注和重视。在政府工作报告中李克强总理就多次提到“互联网”这个新型名词,可见互联网金融一词的受关注程度。现代信息科技企业已逐步成为各行业的风向标,它以独特的优势服务于金融业。但互联网金融的诸多劣势同样不可忽视,在其背景下的消费者权益的保护也更加困难,其各项权利遭受不同程度的损害。尤其是求偿权遭到侵害后,对消费者的伤害程度更大。本文应用文献法、论证分析方法、比较分析法等方法对相关制度进行分析,从而实现对互联网金融消费者所应该享有的求偿权进行维护,进而保障互联网金融得以健康发展。本研究首先对“互联网金融消费者”概念进行了解读,同时还对其交易模式的分类和特点进行了总结,另外还针对互联网金融消费者求偿保护在理论层面上进行了论述。接着对保障求偿权的重要性进行了分析,阐述了我国互联网金融消费者求偿权遭受侵害后得不到有效保障的具体原因。然后介绍了域外互联网金融消费者求偿权保护的相关经验及对我国的启示。通过对域外有关互联网金融消费者求偿权保护制度进行论述,用以探求适合我国基本国情的互联网金融消费者求偿权制度。最后针对我国目前互联网金融消费者求偿权的不足和成因,提出自己的观点和建议。希望我国尽早建立消费者投诉机构并完善相应的投诉解决机制,建立互联网金融消费者的公益诉讼和在线争议解决机制,形成我国独特的高效便民的金融纠纷解决机制,以完善我国互联网金融消费者求偿权的保障机制,从而更大限度的保护我国互联网金融消费者的权利不受侵犯。
[Abstract]:With the rapid development of Internet technology, the development mode of traditional financial industry has changed dramatically. The word "internet finance" has been paid more and more attention by people. Premier Li Keqiang has repeatedly mentioned the new term "Internet" in his government work report, which shows the degree of attention paid to the term "Internet finance". Modern information technology enterprises have gradually become the vane of various industries, which serve the financial industry with its unique advantages. However, many disadvantages of Internet finance can not be ignored, and it is more difficult to protect the rights and interests of consumers under its background. Especially after the right of claim is infringed, the degree of harm to consumers is greater. This paper applies the methods of literature, demonstration and analysis, comparative analysis and other methods to analyze the relevant systems, so as to maintain the claim rights that Internet financial consumers should enjoy, and thus to ensure the healthy development of Internet finance. At first, this paper interprets the concept of "Internet financial consumer", summarizes the classification and characteristics of its transaction mode, and discusses on the theoretical level of the protection of Internet financial consumer claims. Then it analyzes the importance of safeguarding the right of claim, and expounds the specific reasons why the right of internet financial consumers can not be effectively protected after being infringed. Then it introduces the relevant experience of internet financial consumers' claim protection and its enlightenment to our country. This paper discusses the protection system of internet financial consumer's claim right outside the country, in order to find out the system of internet financial consumer's claim right which is suitable for our country's basic national conditions. Finally, the author puts forward his own views and suggestions in view of the deficiency and causes of internet financial consumer's claim right at present in our country. We hope that our country will set up consumer complaint agencies as soon as possible and perfect the corresponding complaint resolution mechanism, establish the public interest litigation and online dispute resolution mechanism of Internet financial consumers, and form a unique and efficient and convenient financial dispute resolution mechanism in our country. In order to perfect the safeguard mechanism of the claim right of Internet financial consumers in our country, and protect the rights of internet financial consumers from infringement to a greater extent.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8

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