互联网金融消费者知情权的法律保护

发布时间：2018-02-27 10:20

本文关键词： 互联网金融金融消费者知情权法律保护　出处：《首都经济贸易大学》2017年硕士论文　论文类型：学位论文

【摘要】：在互联网金融快速发展的同时,由于信息不平衡这一特性,损害消费者知情权的事件频发,但我国立法、执法、司法存在不足,没有形成健全的法律保护体系。立法上缺少专门保护互联网金融消费者的法律,现有立法层级过低;执法上行政机关执法依据笼统,行业自律协会与行政监管的联动作用有限;司法上传统纠纷解决机制的线下特点以及一般举证原则都不利于互联网金融消费者维护知情权。而知情权作为互联网金融消费者的基本权利之一,是实现消费者隐私权、安全权等其他权利的前提,忽视对互联网金融消费者知情权的保护,则会降低消费者参与互联网金融的积极性,助长互联网金融乱象发展的气焰,这从整体上与互联网金融发展的大势相悖。鉴于此,本文主要运用案例分析法、实证分析法、比较分析法等,对立法、执法、司法保护困境加以分析,并提出了保护我国互联网金融消费者知情权的建议。立法上应遵循适当性保护原则,制定互联网金融消费者专门保护法,通过立法明确互联网金融消费者概念、完善信用披露机制;执法上应完善行政监管与行业自律,一是使行政机关执法依据具体化,二是改进互联网金融监管消费者保护;司法上不仅包括诉讼中宜建立小额电子法院,以及遵循举证责任倒置原则,而且非诉中结合我国现状与国外纠纷解决机制的经验,提出适合我国互联网金融的纠纷解决机制。
[Abstract]:With the rapid development of Internet finance, because of the characteristic of information imbalance, the events that impair consumers' right to know occur frequently. However, there are some deficiencies in legislation, law enforcement and judicature in our country. There is no sound legal protection system. There is a lack of legislation specifically to protect Internet financial consumers, the existing legislative level is too low, the enforcement of law enforcement by administrative organs is general, the association between industry self-discipline association and administrative supervision is limited. The offline characteristics of the traditional dispute resolution mechanism and the general principle of proof are not conducive to the maintenance of the right to know by Internet financial consumers. As one of the basic rights of Internet financial consumers, the right to know is to realize consumers' right to privacy. The premise of other rights, such as the right to security, and the neglect of the protection of the right to know about Internet finance consumers will reduce the enthusiasm of consumers to participate in Internet finance and encourage the development of Internet finance chaos. This is contrary to the general trend of the development of Internet finance on the whole. In view of this, this paper mainly uses case analysis, empirical analysis, comparative analysis, and so on, to analyze the dilemma of legislation, law enforcement and judicial protection. It also puts forward some suggestions to protect the right to know of Internet financial consumers in our country. In legislation, we should follow the principle of proper protection, formulate special protection laws for Internet financial consumers, and clarify the concept of Internet financial consumers through legislation. Perfecting the mechanism of credit disclosure, enforcing the law should perfect the administrative supervision and industry self-discipline, one is to make the law enforcement basis of the administrative organ concrete, the other is to improve the consumer protection of Internet financial supervision; the judicial aspect should not only include the establishment of the small electronic court in the lawsuit, Following the principle of inversion of the burden of proof, and combining the current situation of our country with the experience of foreign dispute resolution mechanism, this paper puts forward a dispute resolution mechanism suitable for China's Internet finance.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8;D922.28

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