县域金融消费者权益保护研究

发布时间：2019-01-08 17:00

【摘要】：2007年世界金融危机爆发后,各金融监管当局普遍认识到,一个高效的金融监管体系和有效的金融消费者保障机制须以政府立法干预和监督管理为核心,积极谋求政府调控、自律监管和司法救济等各层级之间的合理分工与有机协调,并能够随着外部环境的变动而及时做出制度调整和有效变革。改革开放以来,我国金融宏观调控和金融管理能力和水平得到同步提升。然而,相比西方发达国家,我国在金融消费权益者保护方面,无论是在理论体系、法律制定还是监管构架等层面的研究都相对贫乏。业务运营不合规,投诉渠道不通畅,政府过度干预金融业,公平服务不到位等现象客观存在。在县域,由于民众金融知识匮乏,金融风险意识淡薄,加上县域金融发展迟滞,金融市场竞争不充分、监管不到位等因素,金融消费者权益受损的问题尤为突出。本论文阐述了我国开展金融消费者权益保护工作的重要意义,从监管机构金融消费者保护、金融消费者保护立法、金融机构服务与信息披露三个方面梳理了当前国内外消费者权益工作进展和研究成果,并对金融消费者享有的权利和金融机构承担的义务进行了归纳。在介绍美国、英国、日本等发达国家的消费者权益保护经验,和对我国开展金融消费者权益保护工作进展情况进行简要回顾的基础上,本论文以泰州市县域为案例,分析金融机构金融消费者权益保护方面存在的问题以及金融产品、服务的投诉分布,研究剖析造成县域金融消费者权益保护缺失的主要原因,从顶层设计、配套制度、金融监管、消费者教育等层面对县域金融消费者权益保护工作机制的构建提出了设想,为金融消费者权益保护提供借鉴和支撑。
[Abstract]:After the outbreak of the world financial crisis in 2007, the financial regulatory authorities generally recognized that an efficient financial supervision system and an effective financial consumer protection mechanism should take government legislative intervention and supervision and management as the core, and actively seek government regulation and control. The reasonable division of labor and coordination among the levels of self-discipline supervision and judicial remedy can make system adjustment and effective change in time with the change of external environment. Since the reform and opening up, the ability and level of financial macro-control and financial management have been upgraded simultaneously. However, compared with the western developed countries, the research on the protection of financial consumers' rights and interests in our country is relatively poor in terms of theoretical system, legal formulation and regulatory framework. Business operation is not regulated, complaint channels are not smooth, excessive government intervention in the financial industry, fair service is not in place and other phenomena exist objectively. In the county area, due to the lack of financial knowledge, the weak awareness of financial risk, the sluggish development of finance, the insufficient competition in financial market, the lack of supervision and other factors, the problem of financial consumer rights and interests is particularly prominent. This paper expounds the important significance of developing financial consumer rights protection in China, including financial consumer protection, financial consumer protection legislation, and financial consumer protection legislation. Three aspects of financial institutions' services and information disclosure are summarized, including the current progress and research results of consumer rights and interests at home and abroad, and the rights enjoyed by financial consumers and the obligations assumed by financial institutions. On the basis of introducing the experience of consumer rights and interests protection in developed countries such as the United States, Britain and Japan, and reviewing the progress of financial consumer rights protection in China, this paper takes the county area of Taizhou City as an example. This paper analyzes the problems existing in the protection of the rights and interests of financial consumers in financial institutions, and the distribution of complaints about financial products and services, and analyzes the main reasons for the lack of protection of the rights and interests of financial consumers in the county, from the top level to the design and supporting system. Financial supervision, consumer education and other aspects of the county financial consumer rights and interests protection mechanism for the construction of ideas for financial consumers to provide reference and support for the protection of the rights and interests of financial consumers.
【学位授予单位】：南京理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D923.8;D922.28

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