金融消费者知情权立法保护研究

发布时间：2018-07-26 12:03

【摘要】：近年来,金融消费者知情权受侵害的现象频发。但纵观我国的金融消费者知情权法律保护规范,零散分布于民商法及各领域的金融法中,可操作性差且不完善,同时相关的理论研究也比较粗略,因此本文对金融消费者知情权的立法保护问题进行了深入研究。围绕金融消费者知情权的立法保护问题,笔者分三个步骤展开了深入分析。首先第一步,回答金融消费者知情权是什么,为此笔者依次对金融消费者和金融消费者知情权的概念进行了理论界定,并对金融消费者知情权的特征、性质和内容进行了深入分析。然后第二步,考察国外金融消费者知情权保护的立法实践,笔者选取了20国集团于2011年10月通过的《金融消费者保护高级原则》和英国、日本、美国的相关立法进行了评析。最后第三步,笔者对我国现行相关法律规范进行了梳理,指出了我国立法中的不足。针对我国金融消费者知情权立法保护中的不足,结合对理论和立法实践的分析,笔者提出在完善立法时应遵守三个原则,包括树立金融消费者保护的立法理念、运用经济法权利保护模式保护金融消费者知情权和注意事前预防和事后救济相结合,同时从四个制度方面着手,包括确认金融消费者的法律地位,强化金融机构说明义务规制,完善金融反欺诈制度和构建民事赔偿责任规则。
[Abstract]:In recent years, financial consumers' right to know is frequently violated. However, throughout the legal protection of financial consumers' right to know, scattered in civil and commercial law and financial law in various fields, the operability is poor and imperfect, at the same time, the relevant theoretical research is also relatively rough. Therefore, this article has carried on the thorough research to the financial consumer right to know the legislation protection question. Focusing on the legislative protection of financial consumers' right to know, the author analyzes it in three steps. The first step is to answer what is the right to know of financial consumers. For this reason, the author defines the concept of the right to know of financial consumers and financial consumers in turn, and the characteristics of the right to know of financial consumers. The nature and content are analyzed in depth. Then the second step is to investigate the legislative practice of the right to know of foreign financial consumers. The author selects the "Senior principles of Financial Consumer Protection" adopted by the Group of 20 in October 2011 and the relevant legislation of the United Kingdom, Japan and the United States to comment on. Finally, the third step, the author combed the current relevant legal norms of our country, pointed out the shortcomings of our legislation. In view of the deficiency in the legislative protection of the right to know of financial consumers in our country, combined with the analysis of theory and legislative practice, the author puts forward that three principles should be observed in perfecting legislation, including establishing the legislative concept of financial consumer protection. The right protection mode of economic law is used to protect the financial consumers' right to know and to pay attention to the combination of prior prevention and ex post relief. At the same time, it starts from four systems, including confirming the legal status of financial consumers and strengthening the regulation of financial institutions' obligation to explain. Improve the financial anti-fraud system and build civil liability rules.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D923.8;D922.28

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