本文選題：金融消費(fèi)者 + 知情權(quán)�。� 參考：《中國(guó)青年政治學(xué)院》2015年碩士論文

【摘要】：隨著社會(huì)經(jīng)濟(jì)的發(fā)展和互聯(lián)網(wǎng)金融的出現(xiàn),越來越多的消費(fèi)者涌入金融市場(chǎng)。金融消費(fèi)者作為金融市場(chǎng)的主體具有重要的地位,維護(hù)金融消費(fèi)者的權(quán)益是保障金融市場(chǎng)穩(wěn)定的重要因素。當(dāng)前金融產(chǎn)品和金融服務(wù)愈發(fā)多樣化和專業(yè)化,金融消費(fèi)者與金融機(jī)構(gòu)之間信息不對(duì)稱現(xiàn)象越來越嚴(yán)重,這往往會(huì)侵害金融消費(fèi)者的知情權(quán)。而知情權(quán)是金融消費(fèi)者諸多權(quán)利的基礎(chǔ),只有保障了金融消費(fèi)者的知情權(quán),其他權(quán)益才得以有效保護(hù),才能維護(hù)金融市場(chǎng)的穩(wěn)定和安全。本文期冀通過對(duì)相關(guān)概念和理論的梳理,分析我國(guó)金融消費(fèi)者知情權(quán)保護(hù)現(xiàn)狀,并結(jié)合國(guó)外的先進(jìn)司法實(shí)踐經(jīng)驗(yàn)提出完善我國(guó)金融消費(fèi)者保護(hù)體系的構(gòu)想。具體從以下三個(gè)部分進(jìn)行論述:第一章是對(duì)金融消費(fèi)者的基本概念的厘清,這是金融消費(fèi)者保護(hù)問題的基礎(chǔ)。結(jié)合我國(guó)理論和實(shí)踐上對(duì)“金融消費(fèi)者”概念的理解,并通過分析學(xué)界有關(guān)“金融消費(fèi)者”概念的爭(zhēng)議,進(jìn)而從比較法角度來分析金融消費(fèi)者概念內(nèi)涵,在綜合考量各方觀點(diǎn)的基礎(chǔ)上,得出了本文對(duì)金融消費(fèi)者的界定。第二章對(duì)金融消費(fèi)者的知情權(quán)做了詳細(xì)的闡述。主要從金融消費(fèi)者保護(hù)的理論依據(jù)和現(xiàn)實(shí)意義出發(fā),突出知情權(quán)保護(hù)的必要性。提出金融機(jī)構(gòu)信息披露應(yīng)具備真實(shí)性、全面性、及時(shí)性和合理性標(biāo)準(zhǔn),并分析了金融機(jī)構(gòu)信息披露的具體內(nèi)容,主要包括機(jī)構(gòu)信息披露和產(chǎn)品信息披露。第三章是本文的重點(diǎn),我國(guó)金融糾紛案件正出于井噴式發(fā)展,對(duì)我國(guó)金融消費(fèi)者知情權(quán)保護(hù)的現(xiàn)狀進(jìn)行分析可知,現(xiàn)階段金融消費(fèi)者知情權(quán)保護(hù)主要存在法律法規(guī)體系不健全、監(jiān)管機(jī)制不完備、金融機(jī)構(gòu)信息披露及金融消費(fèi)者教育體制不完善、金融消費(fèi)糾紛解決機(jī)制欠缺等具體問題。通過分析國(guó)外一些國(guó)家相關(guān)金融保護(hù)體制,重點(diǎn)選取了美國(guó)和英國(guó)關(guān)于金融消費(fèi)者知情權(quán)保護(hù)的司法實(shí)踐樣本,吸收借鑒其中先進(jìn)的部分,嘗試著從理念、制度、意識(shí)、救濟(jì)等多方位、多角度提出完善我國(guó)金融消費(fèi)者知情權(quán)法律保護(hù)的若干建議。
[Abstract]:With the development of social economy and the appearance of Internet finance, more and more consumers pour into the financial market. As the main body of financial market, financial consumers play an important role, and safeguarding the rights and interests of financial consumers is an important factor to ensure the stability of financial market. At present, financial products and financial services are becoming more diversified and specialized, and the information asymmetry between financial consumers and financial institutions is becoming more and more serious, which often infringes on the financial consumers' right to know. The right to know is the basis of many rights of financial consumers. Only by ensuring the right to know of financial consumers can other rights and interests be effectively protected and the stability and security of financial markets can be maintained. Through combing the relevant concepts and theories, this paper analyzes the current situation of the protection of the right to know of financial consumers in China, and puts forward the idea of perfecting the protection system of financial consumers in our country in combination with the advanced judicial practice experience of foreign countries. The first chapter is to clarify the basic concept of financial consumers, which is the basis of financial consumer protection. Combined with the understanding of the concept of "financial consumer" in theory and practice in our country, and through the analysis of the controversy about the concept of "financial consumer" in academic circles, the connotation of the concept of "financial consumer" is analyzed from the perspective of comparative law. On the basis of comprehensive consideration of various viewpoints, this paper gives the definition of financial consumers. The second chapter elaborates the right to know of financial consumers in detail. Based on the theoretical basis and practical significance of financial consumer protection, the necessity of protecting the right to know is highlighted. This paper puts forward that financial institution information disclosure should have the standards of authenticity, comprehensiveness, timeliness and rationality, and analyzes the specific contents of financial institution information disclosure, including institutional information disclosure and product information disclosure. The third chapter is the focal point of this paper, the financial dispute cases in our country are out of the blowout development, the analysis of the current situation of the financial consumers' right to know in our country shows that the current legal system of financial consumers' right to know is not perfect. The supervision mechanism is not perfect, the financial institution information disclosure and the financial consumer education system are not perfect, and the financial consumption dispute resolution mechanism is lacking. Through the analysis of the relevant financial protection systems in some foreign countries, this paper selects the samples of the judicial practice of the United States and Britain on the protection of the financial consumers' right to know, absorbs and draws on the advanced parts of them, and tries to learn from the ideas, systems and consciousness. Several suggestions are put forward to perfect the legal protection of financial consumers' right to know.
【學(xué)位授予單位】：中國(guó)青年政治學(xué)院
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.28;D923.8

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本文編號(hào)：1876140