我国商业银行个人理财业务金融消费者权益保护研究

发布时间：2018-12-13 05:20

【摘要】：随着经济的飞速发展和国民收入的逐渐提高,很多个人积累出剩余的闲散资金但又不知如何使其保值增值,为了顺应时代的发展加之我国加入世界贸易组织之后进入国内的外资银行的带动,商业银行个人理财业务在我国迅速的发展起来,随之而来的必然是理论与实践中遇到的诸多问题,针对这些问题,本文采用文义解释法、比较分析等方法,提出有关商业银行个人理财业务金融消费者权益保护方面的建议。本文包括三部分:引言、正文和结语。其中,正文又分为五部分:第一部分为导论,包括研究背景及选题意义、研究现状、研究方法和创新之处。第二部分的主要内容是商业银行个人理财业务的相关基本理论,包括:商业银行个人理财业务的内涵、分类以及商业银行个人理财业务法律关系的性质,从这三个方面来阐述商业银行个人理财业务最重要的基本内容。第三部分的主要内容是我国商业银行个人理财业务金融消费者权益保护的理论基础,包括金融消费者的概念以及对商业银行个人理财业务金融消费者权益保护的价值分析。第四部分主要介绍发达国家对商业银行个人理财业务金融消费者权益保护的实践及其给与我们的启示。第五部分的内容是我国商业银行个人理财业务金融消费者权益保护的现状和存在的问题。主要包括立法的现状与问题、对商业银行个人理财业务监管的现状与问题、纠纷解决机制和保护模式存在的问题。第六部分的内容是针对第五部分提出的问题给予完善的建议。主要从立法、对商业银行个人理财业务的监管,纠纷的解决和金融消费者保护模式的完善四个方面来阐述我国商业银行个人理财业务金融消费者权益保护的完善建议。本文的研究重心在商业银行个人理财业务金融消费者权益的保护,探索金融消费者保护机制的核心要素,阐述了商业银行个人理财业务金融消费者权益保护的重要价值。不仅论述了商业银行个人理财业务金融消费者权益保护的基础理论,还提供了具有前瞻性的具体建议,既有对商业银行个人理财业务监管方面的分析,也有对金融消费者保护模式改革方向的探讨,为完善我国商业银行个人理财业务金融消费者权益的保护提出了一些具体建议。
[Abstract]:With the rapid development of the economy and the gradual improvement of national income, many individuals have accumulated the remaining idle funds but do not know how to maintain and increase their value. In order to adapt to the development of the times and the foreign banks entering the country after China's entry into the World Trade Organization (WTO), the personal financial services of commercial banks have developed rapidly in our country. The following problems are inevitable in theory and practice. Aiming at these problems, this paper puts forward some suggestions on the protection of consumers' rights and interests in personal finance business of commercial banks by means of semantic interpretation and comparative analysis. This article includes three parts: introduction, text and conclusion. Among them, the text is divided into five parts: the first part is the introduction, including the research background and significance, research status, research methods and innovations. The second part of the main content is the commercial bank personal finance business related basic theory, including: commercial bank personal finance business connotation, classification and commercial bank personal finance business legal relationship nature, From these three aspects to explain the commercial bank personal finance business the most important basic content. The third part of the main content is the commercial bank personal finance business financial consumer rights protection theory foundation, including the financial consumer concept and the commercial bank personal finance business financial consumer rights protection value analysis. The fourth part mainly introduces the commercial bank personal finance business financial consumer rights and interests protection practice and give us enlightenment. The fifth part is the current situation and existing problems of the protection of the financial consumers' rights and interests in the personal financing business of commercial banks in China. It mainly includes the current situation and problems of legislation, the current situation and problems of supervision of personal financial management business of commercial banks, the existing problems of dispute resolution mechanism and protection mode. The content of the sixth part is to give the perfect suggestion to the question put forward in the fifth part. Mainly from the legislation, the supervision of the commercial bank personal finance business, the settlement of the dispute and the consummation of the financial consumer protection mode, this paper expounds the consummation suggestion of the financial consumer rights and interests protection of the commercial bank personal finance business in our country. This paper focuses on the protection of the financial consumers' rights and interests of commercial banks' personal finance business, explores the core elements of the financial consumer protection mechanism, and expounds the important value of the commercial banks' personal financial business financial consumers' rights and interests protection. This paper not only discusses the basic theory of the protection of the rights and interests of the financial consumers in the personal finance business of commercial banks, but also provides some forward-looking concrete suggestions, including the analysis of the supervision of the personal finance business of the commercial banks. This paper also discusses the reform direction of financial consumer protection mode, and puts forward some concrete suggestions for perfecting the protection of financial consumers' rights and interests of personal finance business of commercial banks in China.
【学位授予单位】：扬州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8;D922.281

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