信贷消费者权益保护法律问题研究

发布时间：2018-03-24 09:55

本文选题：信贷消费　切入点：信贷消费者　出处：《北方工业大学》2013年硕士论文

【摘要】：无论在历史还是现实中,国外还是国内,信贷消费对经济发展有着强劲的刺激作用和推动作用。在现代社会,信贷消费已经成为一种重要的消费方式和拉动经济增长的力量。基于对信贷消费的规范和保护,世界金融发达国家几乎都建立了相应的法规体系,尤其是2008年金融危机之后,各国相继完善了金融立法,并牢固树立了金融消费者保护的理念。我国信贷消费制度极不完善,相关概念、法律关系权利义务、消费者权益内容不明确,缺乏相应保护措施和配套制度。本文基于我国学术研究和立法现状,从信贷消费者概念界定、信贷消费者权利内容和逻辑结构、信贷纠纷解决机制三个基础问题出发,对信贷消费者保护问题进行研究。本文信贷消费者界定为凭借个人信用向信贷机构申请获取贷款的个人或家庭,其贷款目的是满足个人基本生活需要。在确定信贷消费者概念的基础上,阐述信贷消费者权利内容和其中的逻辑关系,即以知情权为基础、以公平交易权为核心、以救济权为保障、以隐私权为线索的权利体系,对各层次权利保护的国内外立法实践研究并提出针对我国制度建设的建议。针对信贷消费者救济权保障问题,文章第四部分就信贷纠纷解决方式进行了专门研究,提出了以金融机构内部纠纷回应机制和银行业协会纠纷调解制度为内容的自律性纠纷协商解决机制,以金融监管机构为核心主体的行政性裁决机制,以仲裁机制和公司法人裁决为形式的社会中介机构裁决机制,以公益诉讼、代表人诉讼、小额速裁制度和特殊普通程序为内容的诉讼纠纷解决机制。
[Abstract]:Whether in history or reality, abroad or at home, credit consumption plays a strong role in stimulating and promoting economic development. Credit consumption has become an important consumption mode and a driving force for economic growth. Based on the regulation and protection of credit consumption, almost all the developed countries in the world have established corresponding laws and regulations, especially after the 2008 financial crisis. Various countries have perfected financial legislation one after another, and firmly established the concept of financial consumer protection. China's credit consumption system is very imperfect, related concepts, legal relations rights and obligations, consumer rights and interests content is not clear, Based on the current situation of academic research and legislation in China, this paper starts from three basic problems: the definition of credit consumer, the content and logical structure of credit consumer's right, and the mechanism of credit dispute resolution. This paper defines credit consumers as individuals or families who apply for loans from credit institutions on the basis of personal credit. The purpose of the loan is to meet the basic living needs of individuals. On the basis of defining the concept of credit consumers, this paper expounds the content of credit consumers' rights and their logical relations, that is, the right to know is the foundation, and the right to fair trade is the core. Taking the right of relief as the guarantee and the right system of privacy as the clue, this paper studies the domestic and foreign legislative practice of the protection of the rights at all levels and puts forward some suggestions for the construction of the system of our country, as well as the protection of the right of relief to the credit consumers. In the fourth part of the article, the author makes a special study on the ways of resolving credit disputes, and puts forward a self-disciplinary dispute settlement mechanism, which is based on the internal dispute response mechanism of financial institutions and the dispute mediation system of banking association. The administrative adjudication mechanism, which takes the financial supervision institution as the core subject, the social intermediary agency adjudication mechanism in the form of arbitration mechanism and the corporate legal person ruling mechanism, the public interest litigation and the representative lawsuit, The small amount quick adjudication system and the special ordinary procedure as the content litigation dispute settlement mechanism.
【学位授予单位】：北方工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.282;D923.8

【参考文献】