金融消费者公益诉讼问题研究

发布时间：2018-06-23 06:07

本文选题：金融消费者 + 公益诉讼　；参考：《华东政法大学》2014年硕士论文

【摘要】：国际金融危机引发了很多问题，在金融消费领域，欺诈等行为屡屡发生，，不利于经济秩序的健康发展。在2013年，《民诉法》新设了关于公益诉讼的条款，授予了有关的组织和有权机关对损害众多消费者合法权益的行为可提起公益诉讼的主体资格。证券、保险、银行等金融机构在同年公布的《消费者权益保护法修正案》中也被第一次纳入到该法的调整范畴中去，意味着该法在一定程度上肯定了“金融消费者”这一消费者类型，并将公益诉讼的主体资格授权给了消费者协会及相关组织。公益诉讼在不久的将来或许会成为处理金融消费纠纷的一条新道路。但是与发达国家和地区相对完善的金融消费者保护机制相比，我国的相关体制和机制正处于起步阶段，缺乏具体的法律依据和现实的机构组织的配合。在这种背景下，本文意在以《民诉法》与《消保法》的修订为契机，从理论层面上探讨我国金融消费者公益诉讼的可行性。
[Abstract]:The international financial crisis has caused a lot of problems, in the field of financial consumption, fraud and other acts occur frequently, which is not conducive to the healthy development of economic order. In 2013, the Civil procedure Act introduced a new provision on public interest litigation, granting relevant organizations and authorities the right to institute public interest litigation for acts that impair the legitimate rights and interests of many consumers. Financial institutions, such as securities, insurance, banks, and other financial institutions, were also included in the scope of the adjustment of the law for the first time in the Consumer Rights and interests Protection Act, which was published in the same year. It means that the law confirms the consumer type of "financial consumer" to a certain extent, and authorizes the subject qualification of public interest litigation to consumer associations and related organizations. Public interest litigation may become a new way to deal with financial consumption disputes in the near future. However, compared with the relatively perfect financial consumer protection mechanism in developed countries and regions, the relevant systems and mechanisms of our country are in their infancy, lacking the concrete legal basis and the cooperation of practical organizations. Under this background, this paper intends to discuss the feasibility of the public interest litigation of financial consumers in our country from the theoretical level by taking the revision of the Law of Civil Action and the Law of Elimination of Insurance as the turning point.
【学位授予单位】：华东政法大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D925.1;D923.8

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