金融消费者保护对金融包容影响的研究

发布时间：2018-06-22 15:29

本文选题：金融消费者保护 + 金融包容　；参考：《对外经济贸易大学》2014年博士论文

【摘要】：深入推动金融包容发展使现代金融服务惠及广大人民群众和经济社会发展薄弱环节，对于推进农村金融发展，缩小城乡发展差距，促进社会的公平正义，具有重要的现实意义。发展金融包容离不开对金融消费者的良好保护。没有充分的金融消费者保护，金融包容将失去发展优势。从理论上研究金融包容与金融消费者保护之间的关系，有助于丰富和发展金融包容与金融消费者保护理论。同时，在我国金融包容体系构建刚刚起步的背景下，从金融消费者保护视角对中国惠普金融体系构建问题进行理论研究与实证探讨，在当前是一个迫切需要研究的热点问题。本文在综合分析金融包容和金融消费者保护理论的基础上，创新地运用基于计量方法、媒体报道和调查问卷统计分析、案例研究的方法，从理论研究与量化分析两方面系统、深入地研究中国金融包容体系下金融消费者保护的构建问题。主要的研究内容、成果和创新性工作如下： 1、金融消费者保护与金融包容关系的理论研究。从分析金融包容的微观、中观、宏观框架入手，，重点解决了金融包容体系下金融供需双方的特点，结合金融消费者保护必要性的理论研究，阐述了加强金融消费者保护对发展金融包容的重要性。创新地提出包容不足与包容过度（虚假包容）的思想，构建了金融消费者保护影响金融包容的传导路径，提出金融消费者保护与金融包容程度存在非线性的浅“U”型关系的理论假设。 2、金融消费者保护影响金融包容路径的实证分析。金融消费保护作用于金融包容的路径研究，是研究的难点之一。本文在理论分析的基础上，基于跨国数据建立截面数据进行实证测算，验证了金融消费者保护与金融包容程度存在非线性的浅“U”型关系。 3、通过统计分析测算我国金融消费者保护权益受损现状，提出加强金融消费者保护对构建我国金融包容发展的重要意义。通过媒体报道的统计分析显示，我国存在金融消费者保护权益受损的情况，且总体呈现增长趋势，说明现有消费者权益保护机制并不能满足金融需求快速增长和金融包容发展的需要。尽管我国已经开始建立金融消费者保护机制，但尚未意识到应将金融消费者保护纳入到金融包容体系建设中，金融消费者保护还面临法律制度体系不完善、监管体制尚不健全、金融机构主动不强、消费者金融素养整体水平偏低等诸多问题。我国金融消费者保护的不足制约了金融包容的发展，由此形成了有中国特色的金融包容二元特征：城市包容过度与农村包容不足并存。 4、基于理论研究和实证测算，提出相关的建议。在借鉴国际先进经验的基础上，提出完善我国金融消费者保护机制的政策建议，即在注意防止过度保护造成新的金融排斥的情况下，注重完善法律制度框架、完善金融消费者保护机构的具体职责、建立监管部门间的协调合作机制、健全和完善金融消费纠纷处理机制、加强金融机构消费者保护理念、加强公众金融知识普及教育以及金融消费权益保护队伍建设。
[Abstract]:It is of great practical significance to promote financial inclusion and development and make modern financial services benefit the people and economic and social development. It is of great practical significance to promote the development of rural finance, reduce the gap between urban and rural development and promote the fairness and justice of the society. It is helpful to enrich and develop the theory of financial inclusion and financial consumer protection from the theoretical study of the relationship between financial inclusion and financial consumer protection. At the same time, in the context of the construction of the financial containment system in China, from the perspective of the financial consumer protection, China has a perspective of the financial consumer protection. The theoretical research and Empirical Study of HP's financial system construction is a hot issue that needs to be studied urgently.
On the basis of the comprehensive analysis of the theory of financial inclusion and financial consumer protection, this paper creatively uses the measurement method, the statistical analysis of media coverage and the questionnaire, the method of case study, from two aspects of theoretical research and quantitative analysis, and deeply study the construction of the financial consumer protection under the Chinese financial containment system. The main research contents, achievements and innovative works are as follows:
1, the theoretical research on the relationship between financial consumer protection and financial containment. From the analysis of the micro, meso and macro framework of financial containment, the characteristics of the financial supply and demand parties under the financial containment system are emphatically solved. The importance of financial consumer protection to the development of financial containment is expounded in combination with the theoretical research on the necessity of financial consumer protection. It puts forward the thought of the lack of tolerance and the excessive inclusion (false inclusion), constructs the transmission path of financial consumer protection, and puts forward the theoretical hypothesis of the shallow "U" relationship between the financial consumer protection and the financial containment degree.
2, an empirical analysis of the impact of financial consumer protection on the path of financial containment. It is one of the difficulties to study the path of financial consumption protection on financial containment. Based on the theoretical analysis, this paper makes an empirical calculation based on cross sectional data to verify that the financial consumer protection and the degree of financial inclusion are nonlinear. The shallow "U" relationship.
3, through statistical analysis and calculation of the current status of the protection of the rights and interests of the financial consumers in China, the importance of strengthening the protection of financial consumers to the development of financial containment in China is put forward. Through the statistical analysis of media reports, the situation of the damage of the protection rights and interests of the financial consumers in our country is shown, and the overall trend of growth is presented, indicating the existing consumers. The protection mechanism of rights and interests can not meet the needs of the rapid growth of financial demand and the development of financial containment. Although China has begun to establish a financial consumer protection mechanism, it has not yet realized that the protection of financial consumers should be incorporated into the construction of the financial containment system. The protection of financial consumers is still facing the imperfect legal system and the regulatory system. There are many problems that are not yet sound, financial institutions are not active, and the overall level of consumer financial literacy is low. The lack of financial consumer protection in our country restricts the development of financial inclusion, thus forming two yuan characteristics of financial containment with Chinese characteristics: the coexistence of urban tolerance and rural tolerance.
4, based on theoretical research and empirical calculation, put forward relevant suggestions. On the basis of the advanced international experience, we put forward the policy suggestions to improve our financial consumer protection mechanism, that is to pay attention to the improvement of the legal system framework and improve the specific financial consumer protection institutions in the case of preventing the excessive protection from the new financial exclusion. Responsibilities, establish coordination and cooperation mechanism between regulatory departments, improve and improve the handling mechanism of financial consumption disputes, strengthen the concept of consumer protection in financial institutions, strengthen the popularization education of public financial knowledge and the construction of the protection team of financial consumption rights and interests.
【学位授予单位】：对外经济贸易大学
【学位级别】：博士
【学位授予年份】：2014
【分类号】：D923.8;F832

【参考文献】