論金融消費者知情權(quán)的法律保護

1、AbstractWiththedevelopmentofourfinancialindustrymemecategiesoffinancialproductsservicescomeoutinthemarket.Tosatisfytheirdiversifiedconsumerdemalotofpeoplebegintobuytheinnovativeproductsprovidedbyfinancialinstitutions.Com

2、paredwithtraditionalconsumptionfinancialconsumptionisakindofconsumerprofilewithhighergradationlevelwhichendowsconsumers’righttoinfmationnewacteristics.Firstlyastheobjectoffinancialconsumers’righttoinfmationfinancialprodu

3、ctinfmationissocomplicatedthattheproblemofasymmetricinfmationinthefieldoffinancialconsumptionbecomesmeserious.Secondlyasoneofthesubjectofadutyoffinancialconsumers’righttoinfmationfinancialinstitutionsareinthemonopolysitu

4、ation.Onthecontraryasthesubjectoftherightfinancialconsumersareinavulnerablepositionwhichmakeslegalstatusbetweenvendpurchasermeunequal.Theseacteristicsrepresentbyconsumers’righttoinfmationinthefiledoffinancialconsumptionb

5、ringnewchallengestotheprotectionoftheright.InChinathecasesofviolatingconsumers’righttoinfmationinthefinancialfiledhappensfrequentlyinreallifeitreflectsthattherearealotofdisadvantagesontheprotectionoffinancialconsumers.Ma

6、inlyreflectin:Athestardofinfmationdisclosureshouldbeimprovedthereisnoeffectivestatuteonthedegenerationoffinancialinstitutions.Bthecurrentsupervisionmechanismmayleadtheemergenceofregulatygapsupervisionoverlappingthesuperv

7、isyboarddoesn’tshouldermeresponsibilityofeducatingfinancialconsumersthereisnospecializedprotectionmechanismonfinancialconsumers.Cfinancialconsumerscannotgiveproofeasilyinthejudicialproceedingthereisnothemechanismofsmallc

8、laims.Tostrengthenthelegalprotectionofourfinancialconsumers’righttoinfmationweshouldestablishthefundamentalprinciplesofgradientprotectiongeneralprotectionappropriateprotection.Thendrawingontheexperienceofexternalexisting

9、relatedsystemputfwardspecificperfectmeasuresinthefollowingthreeaspects.Thefirstlyintheaspectoflegislationweshouldenactregulationsoninfmationdisclosurewhichcansatisfyconsumers’demestablishregulationsonfinancialinstitution

10、s’civilliabilitytoconsumerswhentheydon’tcarryoutobligationsofdisclosinginfmationrevisetheLawontheProtectionofConsumerRightsInterestswithoutdelaytoaddmecontentsontheprotectionII目錄第1章緒論.....................................

11、.............................................................................11.1選題背景及分析意義......................................................................................11.1.1選題背景..................................

12、..............................................................11.1.2分析意義................................................................................................41.2國內(nèi)外分析現(xiàn)狀.........................................

13、.....................................................61.3分析方法及結(jié)構(gòu)安排......................................................................................8第2章金融消費者知情權(quán)概述......................................................

14、..........................92.1金融消費者知情權(quán)的概念與性質(zhì)................................................................102.1.1金融消費者知情權(quán)的概念..................................................................102.1.2金融消費者知情權(quán)的性質(zhì)..........

15、........................................................112.2金融消費者知情權(quán)的特征............................................................................122.2.1客體的復雜性...........................................................

16、...........................122.2.2主體的特殊性......................................................................................132.3金融消費者知情權(quán)的內(nèi)容............................................................................14

17、2.3.1公平自由獲取信息的權(quán)利..................................................................142.3.2真實準確全面獲取信息的權(quán)利..........................................................142.3.3及時迅速獲取信息的權(quán)利..........................................

18、........................15第3章金融消費者知情權(quán)法律保護存在的主要問題..........................................163.1金融立法方面................................................................................................163.1.1信息披露標準有待提高......

19、................................................................163.1.2敗德行為缺乏有效法律規(guī)制..............................................................173.2行政監(jiān)管方面................................................................

20、................................203.2.1監(jiān)管模式存在缺陷..............................................................................203.2.2金融消費者教育不足..........................................................................203.2

21、.3金融消費者權(quán)利保護專門機制缺失..................................................213.3司法救濟方面................................................................................................223.3.1金融消費者舉證難度大.............................

22、.........................................223.3.2小額訴訟問題亟待解決......................................................................23第4章完善金融消費者知情權(quán)法律保護的對策..................................................244.1確立金融消費者法律保護的原則.

23、...............................................................244.1.1傾斜保護原則......................................................................................244.1.2全面保護原則.............................................