试论女性消费者权益的保护

消费是日常生活中必不可少的一项活动,我们在消费过程中,时时刻刻要学会保护自己.相对于男性而言,女性由于生理和心理的特殊而成为相对的弱势群体,消费者特别是女性消费者权益更需要受到保护.本文探讨了女性在消费过程中,应如何注意提高自我保护、自我防范意识,提高权益意识、消费者群体保护意识,从而帮助女性消费者提高各种消费意识,有效地保护女性消费者的权益.     

自然灾害背景下农村金融消费者权益保护问题探讨

目前，农村金融消费者权益保护工作力量薄弱，自然灾害对农村金融消费者影响较大；同时，金融产品设计对农村金融消费者权益保护考虑不足。为保护农村金融消费者权益，并最大限度地规避自然灾害给农户带来的经济损失，应循序渐进、阶段性地推动金融消费立法，完善农村金融服务体系，构建农村金融消费者自然灾害权益保护机制，开展针对农村金融消费者的常态化宣传教育活动。     

对完善金融消费者权益保护工作的思考——基于白银市金融消费者权益保护的工作实践

近年来,金融消费越来越深地融入百姓日常生活,各界对加强金融消费者权益保护的呼声日益增强。为保护金融消费者合法权益,促进辖内金融消费稳定健康发展,人民银行白银市中心支行深入开展金融消费者权益保护工作,积极探索推行金融维权模式,为保护金融消费者权益奠定了一定基础。但实践发现,受体制、机制以及金融法律不健全等因素影响,金融消费者权益保护工作还面临着一些问题,亟待通过完善金融法律、理顺体制、整合力量等来提升金融消费者权益保护工作水平。     

海峡两岸金融消费者权益保护法律之比较研究

2008年金融危机带来各国对金融消费者权益保护的普遍觉醒。保护金融消费者针对的不仅仅是金融消费者的个体利益,而是在保护金融市场的公平和信心,更是在保护一国乃至世界的金融及社会稳定。2011年,中国台湾地区相比大陆地区率先制定了《金融消费者保护法》等系列法律文件。2016年12月,中央银行印发的《金融消费者权益保护实施办法》正式开始实施,这是继国务院办公厅2015年印发《关于加强金融消费权益保护工作指导意见》后,国家对于金融消费权益保护的又一重要法律文件。通过对中国台湾地区与大陆地区法律文件的分析对比,研究两地制定法的差异,并针对性地提出立法建议,最后对完善中国大陆地区金融消费者权益保护的路径提出构想     

论消费者权益保护的制度创新

消费者权益保护制度可以有效的保护消费者的合法权益,规范经营者的经营行为,进而确保社会主义市场经济良好、健康、有序发展。近些年来,随着社会主义市场经济的发展和改革的稳步推进,消费在保护个人权益上的意识也越来越强。这也决定着有关消费者保护权益的制度也必须随着条件的变化而变化,做到与时俱进,及时调整和创新。本本文从增加违法成本、合理吸纳公益诉讼制度、优化缺陷商品召回制度、强化消费者协会的职能、构建和谐消费关系等五个方面论述了消费者权益制度保护的创新。     

消费者与企业社会责任

企业最基本的社会责任就是对消费者的责任。由于消费者权利与权益的维护是企业社会责任形成和产生的重要前提条件之一，反过来，消费者必然影响企业的社会责任态度。因此提高消费者的消费素质和意识，培养科学的消费观，切实保护消费者的权益，对企业是否承担社会责任可以起到关键性的作用。     

金融消费者保护与金融监管

金融消费者保护已成为世界各国维护金融稳定的国际共识,加强对消费者金融权益保护的立法与监管迫在眉睫。加强金融消费权益保护是我国金融监管的核心内容,需要在鼓励创新和强化监管之间取得平衡,需要我国金融监管部门形成合力。     

金融消费者权益保护难题亟待解决

随着金融消费从单一的银行存取款不断向支付、理财、融资、投资等一体化交易延伸的同时,金融消费者的权益侵害问题日益突出.有效保护金融消费者的权益时于化解金融业务纠纷.消除潜在金融风险,维护金融稳定具有重要的现实意义和深远的历史意义.本为以平凉市为例.对欠发达地区金融消费者权益保护的现状进行了深入调查与分析,并提出有效保护金融消费者权益的相关建议.     

金融消费者的法律界定

"金融消费者"具有"消费者"属性,仍符合消费者的三个基本特征:主体是个体自然人,行为是购买、使用金融机构的金融商品或接受金融服务;目的为非生产、交易的生活消费。金融消费和金融消费者内涵丰富,绝大多数具有投资性质的金融产品都可纳入金融消费范畴,但高风险、特别是需要市场准入门槛的产品除外,相关主体不应纳入金融消费者范畴进行倾斜保护。根据消费者权益保护的基本原理和实际需要,金融消费者的外延应包括潜在金融消费需求者和曾与金融机构有过业务关系的个人客户。     

关于金融消费者权益现状的调查

伴随着金融业的快速发展,金融消费者群体日益发展壮大,金融消费过程中因消费者权益被侵害而引发的纠纷越来越多。从金融市场长远发展的角度来看,保护金融消费者权益,不仅是消费者的自身需要,也是金融体系健康发展的关键,因此,加快金融消费者权益的保护迫在眉睫。此次调研在充分了解金融消费者权益现状的基础上提出了相关建议和对策。     

金融消费者教育与权益保护对策思考——以征信业为例

加强征信知识教育是提高金融消费者自我保护能力,主动防范权益受损的有效手段.本文阐述了征信教育对保护金融消费者权益的重要作用,分析了当前征信知识教育的实践成效及存在的问题,在此基础上,提出了要加强征信知识教育的顶层设计、完善教育实施体系和保障机制、充分发挥金融机构开展征信知识教育的基础性作用、提高教育内容针对性和创新教育模式等政策建议.     

Exploring the implications of the internet for consumer marketing

Past commentaries on the potential impact of the Internet on consumer marketing have typically failed to acknowledge that consumer markets are heterogeneous and complex and that the Internet is but one possible distribution, transaction, and communication channel in a world dominated by conventional retailing channels. This failure has led to excessively broad predictions regarding the effect of the Internet on the structure and performance of product and service markets. The objective of this article is to provide a framework for understanding possible impacts of the Internet on marketing to consumers. This is done by analyzing channel intermediary functions that can be performed on the Internet, suggesting classification schemes that clarify the potential impact of the Internet across different products and services, positioning the Internet against conventional retailing channels, and identifying similarities and differences that exist between them. The article concludes with a series of questions designed to stimulate the development of theory and strategy in the context of Internet-based marketing. Robert A. Peterson holds the John T. Stuart III Centennial Chair in Business Administration and is the Charles E. Hurwitz fellow at the University of Texas at Austin. A former editor of theJournal of the Academy of Marketing Science andJournal of Marketing Research, he currently chairs the board of governors of the Academy of Marketing Science. His research interests include the competitive and cooperative interface between electronic and traditional retail channels, customer equity modeling, and the application of options theory in marketing. His research interests are psychological models of economic behavior, consumer choice and choice protocols, and advertising. His work has been published in theJournal of Marketing Research, Marketing Science, Journal of Retailing and Consumer Service, andR&D Management.     

农民工劳动权益保障问题及对策分析

农民工的维权问题已经受到全社会的高度关注,探讨保障农民工权益的相关问题,分析农民工权益保护的正常途径和机制;探讨如何提高农民工自身的维权意识,保护其合法权益;探讨政府如何加强体制机制建设,为维护农民工合法权益搭建平台,这不仅关系到国民经济持续快速健康发展,也关系到社会的和谐稳定.     

我国集体土地权利研究——以权利平等保护为视角

国有土地与集体土地的二元制度格局造成了集体土地权利与国有土地权利上的巨大差异.按照物权法的权利平等保护原则,两者应处于平等的地位.而保障集体土地与国有土地享有平等的权利本身也是保护公民财产权利的客观现实需要.我国土地制度的未来改革方向主要从保护农民的土地财产权益着手,重点就是对现行集体土地制度进行改造,赋予集体土地更多的权利,保障集体土体与国有土地权利上的平等,赋予集体土地建设用地使用的权利,完善集体土地的权利体系,保障集体土地所有者的土地财产利益.     

论虚拟财产权的债权特征——从“用户协议”视角分析

虚拟财产权与传统财产权既具有相通之处,亦存在根本差异,对其保护应突破既有的物权和债权“二元体系”,创设新型权利。“用户协议”是判断虚拟财产权性质和归属的依据。用户对虚拟财产享有的权利,最适宜解释为基于租赁合同而生的债权,包括占有、使用、收益的权利,这种物权化的债权适用“买卖不破租赁”等规则,更有利于平衡用户和运营商之间的权益。     

A proposed model of external consumer information search

An enduring interest in consumer behavior is the investigation of external prepurchase information search. Past research has identified a large number of factors that have been found to influence the extent of information search. The purposes of this article are to summarize the external information search literature and then develop a more parsimonious model of information search. Specifically, we propose that the effects of these antecedents of information search are mediated by four variables: ability, motivation, costs, and benefits. This model integrates the psychological search literature by incorporating ability and motivation to search for information and the economic paradigm that centers on the perceived costs and benefits of information search. Propositions are developed based on this comprehensive model for future testing. Jeffrey B. Schmidt recently became an assistant professor of marketing at Kansas State University after completing his Ph.D. at Michigan State University. His research interests include new product development and international product strategy. His work has appeared in theJournal of Product Innovation Management andJournal of Business and Industrial Marketing as well as in various conference proceedings. He received his Ph.D. from Indiana University. His research interests include consumer satisfaction/dissatisfaction and issues involving consumer knowledge. His work has appeared in theJournal of the Academy of Marketing Science, Journal of Consumer Research, Journal of Marketing, Journal of Retailing, Journal of Services Marketing, Journal of Consumer Satisfaction, Dissatisfaction and Complaining Behavior, andJournal of Product Innovation as well as in various conference proceedings.     

A desires congruency model of consumer satisfaction

The disconfirmation of expectations model has been increasingly criticized in recent years and, as a result, standards other than expectations have been suggested. The present research proposes consumer desires, based on means-end theory, as the comparison standard. Results of an experiment show that the extent to which performance is congruent with desires is a powerful antecedent to satisfaction, while the effect of disconfirmation of expectations is nonsignificant. He received his Ph.D. from Indiana University. His research interests include consumer satisfaction/dissatisfaction, service quality, and issues involving consumer knowledge. His work has appeared in the Journal of Consumer Research and the Journal of Consumer Satisfaction, Dissatisfaction and Complaining Behavior. He received his Ph.D. from Carnegie-Mellon University. His articles have appeared in the Journal of Consumer Research, Journal of Marketing Research, Journal of Marketing, and several other journals. He is currently a member of the Editorial Review Board of the Journal of Consumer Psychology and served for several years as a member of the Editorial Review Board of the Journal of Consumer Research.     

Influences on consumer use of word-of-mouth recommendation sources

This article reports the development and testing of a theoretical model of the initial stages of recommendation-based decision making by consumers. Although consumers use a variety of recommendation sources, they have different motivations for the use of different sources. The model focuses on the factors that influence the likelihood of consumers using strong-tie sources (e.g., friends and family) and weak-tie sources (e.g., acquaintances or strangers) or recommendations. The factors used in the model are the prior knowledge level of the consumer about the product being considered, the perceived decision task difficulty level, and the type of evaluative cues sought by the consumer. Hypotheses are tested using data collected in an extensive field study with consumers. Two paths or routes of influence on the use of recommendation sources are proposed and confirmed in the study. His work has been published in theJournal of the Academy of Marketing Science, Journal of Marketing, andJournal of Marketing Research. His research interests center on consumer decision making and marketing education. He has published previously in theJournal of the Academy of Marketing Science, Journal of Advertising, Strategic Change, The International Executive, andMarketing Education Review. His research interests include research methodology, quantitative methods, and competitive intelligence. His work has appeared in theJournal of Marketing Research, Journal of Marketing, andJournal of the Academy of Marketing Science. His publications have appeared in numerous journals. His books includeConsumer Behavior (Harcourt Brace Jovanovich, 1986) andMarketing Management (Simon & Schuster).     

Self-relevance and purchase goals: Mapping a consumer decision

The purpose of this research is to introduce a cognitive mapping methodology designed to explore the goal structures that are activated by a consumer’s experienced feelings of self-relevance or involvement with a product or service. In particular, the authors examine how a consumer’s enduring involvement with a product class (greeting cards) and specific decision situations affect the content and structure of the activated purchase goals in a consumer’s decision map. As compared to enduring involvement, the decision situation more strongly affected the content of the goals in the decision maps. The authors conclude with a discussion of the implications of the method and the results for consumer behavior and marketing strategy research. He received his Ph.D. from Arizona State University, his M.B.A. from the University of Missouri, and his B.S. from Southwest Baptist University. His work has been presented at American Marketing Association, Association for Consumer Research, and Academy of Marketing Science national conferences. Cognitive mapping and marketing strategy processes are his primary research interests. She received her Ph.D. from Pennsylvania State University. Her research interests center on the areas of consumer behavior and marketing strategy. In particular, her research emphasizes the cognitive structures and processes that underlie the formation of marketing strategy and consumer decision making. She has published her work in theJournal of Marketing Research, Sloan Management Review, Journal of Business Research, Research in Consumer Behavior, and other scholarly publications.     

Toward upgrading the quality of consumer decision-making

This paper explores the notion of consumer informations systems as a framework for studying consumer behavior. It is argued that this approach may be a particularly productive one for those interested in improving the quality of consumer decision-making.