认知偏误对金融消费者保护的影响——以零售金融产品为例

发布时间：2018-01-14 20:05

本文关键词：认知偏误对金融消费者保护的影响——以零售金融产品为例　出处：《经济研究》2011年S1期 　论文类型：期刊论文

【摘要】：次贷危机的爆发,证明金融消费者保护已经成为金融体系能否健康持续发展的关键问题,因此,对于该项问题的研究具有深远的理论价值与现实意义。本文将选择零售金融市场为切入点,根据我国零售金融产品市场供求双方的互动特征以及消费者的认知偏误,构建理论模型,分析现有交易模式下,可能对金融消费者权益造成损害的潜在原因,力争为金融消费者保护实践提供理论依据,并起到推动作用。
[Abstract]:The outbreak of the subprime mortgage crisis proves that the financial consumer protection has become a key issue for the healthy and sustainable development of the financial system. The research on this issue has profound theoretical value and practical significance. This paper will choose the retail financial market as the starting point. According to the interactive characteristics of the supply and demand of the retail financial products market in China and the cognitive bias of the consumers, this paper constructs a theoretical model and analyzes the potential causes of damage to the rights and interests of financial consumers under the existing trading model. Strive to provide theoretical basis for the practice of financial consumer protection, and play a role in promoting.
【作者单位】：山东大学经济研究院;
【分类号】：D923.8;F831
【正文快照】： 一、引言金融消费者保护,从20世纪60年代起,便已经随着全球轰轰烈烈的消费者保护运动而进入人们的视野,至20世纪90年代中后期,更是逐渐为各国金融监管当局所重视,成为与审慎监管并列的金融监管目标之一。2007年,以美国次贷危机为引线导致的全球金融危机给整个世界的经济发展

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