网络借贷中金融消费者权益保护问题研究

发布时间：2018-02-22 17:43

本文关键词： 网络借贷金融消费者权益保护　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：互联网金融日新月异的发展,为我国金融业的发展和经济的进步做出了巨大的贡献,与此同时我们也应该注意到,由于相关法律法规的缺失、监管的空白以及金融消费者自身金融素质的不足,导致众多金融消费者在网络借贷等互联网金融活动中的权益受到侵害,且情况已经十分严重,危及到整个金融领域的稳定运行和健康发展。本文共计3.6万字。首先阐明选题原因,指出目前网络借贷中金融消费者权益保护面临的困境,阐述了目前对金融消费者保护的研究现状。然后再明确网络借贷中金融消费者的定义,只有通过明确金融消费者的范畴,才能对金融消费者保护的具体措施进行论述,有的放矢。在对金融消费者进行定义之后,通过研究网络借贷的主体权利义务,分析现今我国金融消费者的弱势地位。透过金融消费者弱势地位的现象找到本质,从立法、执法、司法以及教育等方面分析我国金融消费者弱势地位产生的原因。他山之石可以攻玉,通过阐述美国及日本完善金融消费者保护制度的举措及经验,结合我国实际情况,为我国建立健全金融消费者保护体制提供有益借鉴。最后,综合上述看法和意见,从立法、监管、司法以及金融消费者教育等方面列举出我国对网络借贷中金融消费者保护制度应该进行的举措,通过这些举措,促进我国网络借贷中金融消费者权益的保护,从而促进我国金融消费者保护制度的完善,促进我国金融行业健康快速发展。
[Abstract]:The rapid development of Internet finance has made great contributions to the development of our financial industry and economic progress. At the same time, we should also notice that due to the lack of relevant laws and regulations, The lack of supervision and the lack of financial quality of financial consumers have led to the infringement of the rights and interests of many financial consumers in Internet financial activities such as Internet lending, and the situation is already very serious. It endangers the stable operation and healthy development of the whole financial field. This paper consists of 36,000 words. First of all, it clarifies the reasons for choosing this topic, and points out the plight of the protection of the rights and interests of the financial consumers in the network lending at present. This paper expounds the current research status of financial consumer protection, and then clarifies the definition of financial consumer in network lending. Only by clarifying the category of financial consumer, can the specific measures of financial consumer protection be discussed. After defining financial consumers, by studying the rights and obligations of the subject of online lending, we analyze the weak position of financial consumers in our country today. Through the phenomenon of weak position of financial consumers, we can find the essence from legislation. This paper analyzes the causes of the weak position of financial consumers in China from the aspects of law enforcement, judicature and education. By expounding the measures and experiences of the United States and Japan in perfecting the financial consumer protection system, and combining with the actual situation in our country, Finally, synthesizes the above views and opinions, from the legislation, the supervision, the financial consumer protection system provides the beneficial reference for our country to establish and perfect the financial consumer protection system. Judicial and financial consumer education and other aspects list the measures that our country should carry out to the financial consumer protection system in network lending. Through these measures, we can promote the protection of the rights and interests of financial consumers in our network lending. So as to promote the perfection of financial consumer protection system and promote the healthy and rapid development of our financial industry.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8

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