基于民间金融视角的我国金融消费者权益保护问题研究

发布时间：2018-03-13 15:18

本文选题：民间金融　切入点：正规金融　出处：《吉林财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着科技的进步，从上世纪70年代开始，世界范围内金融创新力度不断增强，金融产品和金融服务层出不穷，金融消费者的群体也不断扩大，然而在金融业务快速发展的同时，各国对金融消费者的保护却都明显不足，2007年金融危机使得这一缺点充分暴露出来，危机后，各国通过一系列法案和措施加大了对金融消费者权益的保护力度，对金融消费者的保护迈出了坚实的一步，但是，各国的保护措施多集中在正规金融领域，对于民间金融消费者权益保护的研究及实践却是空白的，近些年来，在我国，因民间金融而引发的诸如温州、鄂尔多斯事件，在拷问我国金融体系的同时，对于其中数量众多的参与者我们也不应该忽视，我国民间金融参与者有着广泛的城乡基础，他们中多数人金融专业知识薄弱，一旦参与的金融活动出现问题，权益难以保障，本文旨在通过对民间金融及其消费者相关问题进行分析，希望找到解决民间金融消费者权益保护问题的解决方法。全文主要由绪论、正文和结论三大部分组成，绪论部分说明了本文的研究背景和意义、研究目的和内容及研究方法和创新之处。正文部分分四章对民间金融消费者权益保护问题进行了探讨，第一章论述了民间金融及消费者权益保护理论，分析了国内外对民间金融和金融消费者的研究现状；第二章从我国民间金融消费者权益保护的现状及问题入手，分析了我国民间金融和民间金融消费者的特征及目前对于民间金融消费者权益保护方面存在的问题；第三章研究了世界上其他国家和地区的金融消费者实践和经验，并希望通过分析找到我国的民间金融消费者权益保护措施；第四章从借鉴其他国家和地区的金融消费者权益保护实践和经验、教训入手，从八个方面提出了我国民间金融消费者权益保护的措施。第三部分为结论，，本文认为，目前而言对民间金融消费者权益保护是正当其时的，对于民间金融消费者权益的保护，既要从国家政策等宏观角度出发，又要从民间金融普通参与者着手，多策并举，多管齐下，在理论研究的基础上，不断依靠实践来检验与丰富，从而促进我国金融体系的进一步稳定，也希望文中的保护措施能为我国民间金融的研究有帮助。
[Abstract]:With the progress of science and technology, since -30s, the strength of financial innovation in the world has been continuously strengthened, financial products and financial services have been emerging in endlessly, and the group of financial consumers has been expanding. However, while the financial business is developing rapidly, In 2007, the financial crisis made this defect fully exposed. After the crisis, countries adopted a series of laws and measures to strengthen the protection of the rights and interests of financial consumers. The protection of financial consumers has taken a solid step forward. However, most of the protection measures in various countries are concentrated in the formal financial field, but the research and practice on the protection of the rights and interests of private financial consumers are blank. In recent years, in our country, Such as Wenzhou and Ordos incidents caused by private finance, while torturing our financial system, we should not ignore the large number of participants among them. Our folk financial participants have a broad urban and rural base. Most of them have weak financial professional knowledge, once the financial activities involved in the problems, rights and interests are difficult to protect, this paper aims to analyze the private finance and its consumer related problems. Hope to find a solution to the problem of private financial consumer rights and interests protection. The thesis is composed of three parts: introduction, text and conclusion. The introduction explains the background and significance of this paper. The main body is divided into four chapters to discuss the protection of private financial consumer's rights and interests. The first chapter discusses the theory of folk finance and consumer's rights and interests protection. The second chapter begins with the current situation and problems of the protection of the rights and interests of the private financial consumers in China. This paper analyzes the characteristics of private finance and private financial consumers in China and the problems existing in the protection of the rights and interests of private financial consumers. Chapter three studies the practices and experiences of financial consumers in other countries and regions in the world. It also hopes to find out the measures of protecting the rights and interests of the private financial consumers in our country through the analysis. Chapter 4th begins with the experience and experience of other countries and regions in the protection of the rights and interests of financial consumers. The third part is the conclusion that it is the right time to protect the rights and interests of the private financial consumers, and the protection of the private financial consumers' rights and interests. We should not only proceed from the macro point of view, such as national policies, but also from the ordinary participants in private finance, and carry out both various measures and a multi-pronged approach. On the basis of theoretical research, we should constantly rely on practice to test and enrich. In order to promote the further stability of China's financial system, it is hoped that the protection measures in this paper will be helpful to the study of private finance in China.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.5

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