本文選題：金融消費(fèi)者保護(hù) + 金融立法　； 參考：《沈陽(yáng)工業(yè)大學(xué)》2017年碩士論文

【摘要】：二十一世紀(jì)是全球經(jīng)濟(jì)飛速發(fā)展的時(shí)期。隨著現(xiàn)代科技水平的不斷進(jìn)步,世界經(jīng)濟(jì)一體化的趨勢(shì)日漸明顯,帶動(dòng)全球經(jīng)濟(jì)發(fā)展的關(guān)鍵由傳統(tǒng)工業(yè)為核心的第二產(chǎn)業(yè)向以服務(wù)業(yè)為核心的第三產(chǎn)業(yè)轉(zhuǎn)變。而金融業(yè)作為第三產(chǎn)業(yè)“長(zhǎng)子”,對(duì)全球資本整合起著“牽一發(fā)而動(dòng)全身”的關(guān)鍵作用。資本主義國(guó)家都對(duì)其自身的金融業(yè)發(fā)展給予極高程度的關(guān)注,但往往忽略了處于行業(yè)金字塔底部的金融消費(fèi)者的保護(hù),這直接引起金融消費(fèi)者對(duì)金融行業(yè)的市場(chǎng)信心嚴(yán)重匱乏,金融消費(fèi)水平銳減,那么本世紀(jì)初金融危機(jī)的出現(xiàn)也就自然無(wú)法避免了。但所謂“危機(jī)”,就是危險(xiǎn)與機(jī)遇并存,本次危機(jī)使發(fā)達(dá)國(guó)家金融市場(chǎng)遭受慘重打擊的同時(shí),亦令世界各國(guó)“痛定思痛”。即后危機(jī)時(shí)代各國(guó)均將金融消費(fèi)者的保護(hù)問(wèn)題視為新一輪金融改革熱潮的“重中之重”。反觀我國(guó),目前金融行業(yè)雖然發(fā)展迅速,但相關(guān)配套的金融消費(fèi)者保護(hù)機(jī)制并不健全的現(xiàn)狀從一定程度上阻礙了我國(guó)的金融業(yè)的良性發(fā)展。文章正是從上述角度出發(fā),對(duì)我國(guó)金融消費(fèi)者保護(hù)過(guò)程中出現(xiàn)的若干法律問(wèn)題進(jìn)行研究,在厘清金融消費(fèi)者相關(guān)理論的基礎(chǔ)上,從法律角度對(duì)我國(guó)的金融消費(fèi)者保護(hù)的現(xiàn)狀進(jìn)行分析,找出我國(guó)目前金融消費(fèi)者保護(hù)實(shí)踐過(guò)程中在立法層面,監(jiān)管層面以及權(quán)利救濟(jì)層面存在的若干問(wèn)題。同時(shí)對(duì)比英國(guó)、美國(guó)以及日本三個(gè)域外發(fā)達(dá)國(guó)家針對(duì)金融消費(fèi)者保護(hù)領(lǐng)域的有益經(jīng)驗(yàn)加以介紹,結(jié)合前述我國(guó)在金融消費(fèi)者保護(hù)領(lǐng)域存在的問(wèn)題提煉出對(duì)我國(guó)的啟示。最后針對(duì)立法、監(jiān)管以及權(quán)利救濟(jì)層面存在的問(wèn)題,本文提出應(yīng)在立法層面逐步完善我國(guó)金融消費(fèi)者立法保護(hù);監(jiān)管層面加大對(duì)我國(guó)現(xiàn)有的金融監(jiān)管的力度,對(duì)相關(guān)金融監(jiān)管機(jī)構(gòu)以及監(jiān)管制度予以完善;在此基礎(chǔ)上加快完善對(duì)糾紛解決機(jī)制,構(gòu)建全方位的金融消費(fèi)者的權(quán)利救濟(jì)體系等建議。
[Abstract]:The 21 century is a period of rapid development of the global economy. With the continuous progress of modern science and technology, the trend of world economic integration is becoming more and more obvious. The key to drive global economic development is from the secondary industry with traditional industry as the core to the tertiary industry with the service industry as the core. As the eldest son of tertiary industry, financial industry plays a key role in global capital integration. Capitalist countries pay a great deal of attention to the development of their own financial industry, but often ignore the protection of financial consumers at the bottom of the industry pyramid, which directly leads to a serious lack of financial consumers' confidence in the financial industry. The level of financial consumption has plummeted, so the emergence of the financial crisis at the beginning of this century will naturally be unavoidable. But the so-called "crisis" is the coexistence of danger and opportunity. This crisis has dealt a heavy blow to the financial markets of developed countries, and at the same time, it has also made the world "learn from the pain". That is, in the post-crisis era, the protection of financial consumers is regarded as the most important issue in the new round of financial reform upsurge. On the other hand, although the financial industry is developing rapidly, the relative financial consumer protection mechanism is not perfect. To some extent, it hinders the healthy development of our financial industry. From the above point of view, this paper studies some legal problems in the process of financial consumer protection in China, and on the basis of clarifying the relevant theories of financial consumers, This paper analyzes the present situation of financial consumer protection in China from the angle of law, and finds out some problems existing in the practice of financial consumer protection in the aspects of legislation, supervision and right relief. At the same time, this paper introduces the beneficial experiences of the three overseas developed countries, such as Britain, the United States and Japan, in the field of financial consumer protection, and extracts the enlightenment to our country by combining the problems in the field of financial consumer protection mentioned above. Finally, in view of the problems existing in legislation, supervision and right relief, this paper puts forward that we should gradually improve the legislative protection of financial consumers in our country at the legislative level; On the basis of this, we should improve the dispute resolution mechanism and build a comprehensive financial consumer's right relief system.
【學(xué)位授予單位】：沈陽(yáng)工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：D923.8

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