论银行理财产品消费者知情权

发布时间：2018-04-25 13:03

本文选题：知情权 + 银行理财产品　；参考：《复旦大学》2014年硕士论文

【摘要】：随着商业银行个人理财业务的发展,各银行使出浑身解数向消费者推销理财产品。在此过程中,商业银行侵犯消费者权益的事件时有发生,银行理财产品消费者的知情权作为其他权利的基础在我国却并没有很好的得到保障。为此,本文特对其进行研究,并探究其法律保护的可行途径。全文除引言与结语外共分四章。第一章对要研究的问题进行界定。本文在对商业银行理财产品进行分类的基础上研究各类不同的理财产品中商业银行与消费者之间的法律关系,将银行理财产品消费者放在金融消费者的大背景下进行研究,分析金融消费者的概念、范围,并找出银行理财产品消费者与其他金融消费者的不同之处。并上述对理财产品分类研究的基础上提出不同理财产品消费者知情权的标准。本章创新之处在于对银行理财产品进行分类分析,并分别建立其知情权标准。第二章研究对银行理财产品消费者进行保护的理论基础。通过信息不对称理论、有效资本市场假说、利益冲突等经济学理论与诚实信用原则、公平和价值等法学理论对银行理财产品消费者知情权保护的必要性进行研究。本章的创新之处在于将经济学理论与法学理论结合起来,对消费者知情权的理论基础做全面分析。第三章将银行理财产品消费者的保护纳入金融消费者保护的框架,通过对域外一些国家关于金融消费者保护的相关法律进行分析,了解国外金融消费者保护的先进制度。同时,也可以对我国如今的银行理财产品消费者保护进行较好的反思和借鉴。第四章是本文的重点。本章首先对我国银行理财产品消费者保护情况做了基本的描述,然后在此基础上与第三章相结合,从信息披露、监管模式、诉讼保障、非诉解决机制等多方面构建我国完善的银行理财产品消费者知情权保护模式。第三章与第四章的创新之处在于将域外立法状况与我国实际情况结合起来,构建适合我国情况的银行理财产品消费者知情权保护制度。
[Abstract]:With the development of personal finance business in commercial banks, banks try their best to sell financial products to consumers. In this process, the commercial bank encroaches on the consumer's rights and interests from time to time, but the consumer's right to know of the bank's financial products is not well protected in our country as the basis of other rights. For this reason, this article specially carries on the research to it, and probes into its legal protection feasible way. In addition to the introduction and conclusion, the full text is divided into four chapters. The first chapter defines the problems to be studied. On the basis of classifying the financial products of commercial banks, this paper studies the legal relationship between commercial banks and consumers in different kinds of financial products, and puts the consumers of banking financial products under the background of financial consumers. This paper analyzes the concept and scope of financial consumers, and finds out the differences between consumers of banking financial products and other financial consumers. On the basis of the above research on the classification of financial products, the standard of consumer's right to know of different financial products is put forward. The innovation of this chapter lies in the classification and analysis of banking financial products and the establishment of their right to know standards. The second chapter studies the theoretical basis of consumer protection of banking financial products. Based on the theory of asymmetric information, the hypothesis of effective capital market, the conflict of interest and the principle of good faith, fairness and value, this paper studies the necessity of protecting the right to know of consumers of banking financial products. The innovation of this chapter is to combine the theory of economics with the theory of law, and make a comprehensive analysis of the theoretical basis of consumers' right to know. The third chapter brings the consumer protection of banking financial products into the framework of financial consumer protection, through the analysis of the relevant laws on financial consumer protection in some foreign countries, to understand the advanced system of financial consumer protection abroad. At the same time, we can also reflect on the consumer protection of banking financial products in our country. The fourth chapter is the focus of this paper. This chapter firstly describes the situation of consumer protection of banking financial products in China, and then combines with the third chapter, from the information disclosure, regulatory model, litigation protection, Non-litigation settlement mechanism and other aspects to build a perfect banking financial products consumer's right to know protection model. The innovation of the third chapter and the fourth chapter is to combine the extraterritorial legislative situation with the actual situation of our country, and to construct the protection system of the consumer's right to know of the banking financial products which is suitable for the situation of our country.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

【参考文献】