消费者权益保护提醒

A:消费者维权误区:求退不求赔作为一名消费者,当您遇到缺斤少两,或者买了假货时,除了退货之外,您是否会索要一倍赔款?     

消费者权益保护研究

我国消费者权益保护运动始于80年代初,<消费者权益保护法>对消费者的权利做了具体规制,但仍存在不足之处,由于消费者在市场交易中处于弱势地位,在经济发展中处于主权地位,所以应从立法上对消费者加强特别保护.     

银行卡领域消费者权益保护研究

本文从目前银行卡领域消费者权益受侵害的主要表现出发,剖析我国银行卡领域消费者权益保护存在的问题,并针对性地提出加强我国银行卡消费者权益保护的政策建议,以期对我国银行卡领域消费者权益保护有所裨益。     

保护消费者权益 IT起而行

近年来,金融消费者权益保护正成为我国金融领域日益关注的话题。今年年初的全国金融工作会议明确把"切实保护消费者的合法权益,加强消费者权益保护工作"列为今年金融业的工作重点,来自全国消协组织统计的消费者投诉情况显示,目前我国金融业消费者投诉量正呈现岀逐年上升的趋势。特别是随着互联网、移动网络、智能终端等新技术在金融行业的广泛应用,消费者权益保护中,科技呈现岀双生身份的特点。它既是各种新业务     

论我国保险消费者权益保护

随着保险业的发展壮大,保险消费纠纷日益增多,保险经营者侵害消费者权益的行为严重损害了保险行业形象,阻碍保险业的长期健康发展,监管机构也越来越重视消费者权益保护。本文阐述了保险经营者侵犯消费者权益的行为,分析了原因,在此基础上提出保护消费者权益的建议措施。     

浅析我国银行卡消费者权益保护

近年来,我国银行卡消费者权益受到侵犯的事件时有发生,如持卡人的知情权、隐私权受到侵犯,银行卡丢失或者是被盗的风险分担不公平等。鉴于此,迫切需要解决银行卡消费者权益保护的问题。本文从法律的角度,分析了我国银行卡消费者的立法现状及存在的问题,并提出若干建议,希望可以为我国构建一个较为完善的银行卡消费者保护法律体系提供参考,从而使银行卡消费者权益得到有效的保护。     

谈网购消费者的权益保护

随着我国信息化建设的不断完善，网络技术、计算机技术与国民生活、工作的联系变得越来越紧密。网络购物已迅速成为国民的重要购物方式，为国民的生活带来了很大的便利，但同时，目前我国的网络购物还存在许多不良现象，网购消费者的权益还不能得到全面的保护。     

保险消费者权益合理保护探析

当前保险消费者维权存在利益诉求超越合同范围、维权方式不正当等问题。本文分别对江苏地区产险、寿险公司进行了问卷调查,根据调查结果,分析了当前保险消费者维权中较为突出的四种不合理现象,以及维权方式向职业化和代理化发展的趋势。针对保险消费者权益的合理保护,本文提出应在反哺保险消费者的基本权益基础上,完善相关法制建设、完善社会和行业的保护机制,提高社会信用水平及市场透明度,探索保险纠纷的社会化管理模式,建立有效的市场秩序,保护保险消费者的合法权益。     

商业银行消费者权益保护问题初探

本文对商业银行消费者权益保护现状进行了分析,指出商业银行在消费者权益保护工作中存在的问题和不足,并在此基础上提出对策建议.     

谈网购消费者的权益保护

随着我国信息化建设的不断完善,网络技术、计算机技术与国民生活、工作的联系变得越来越紧密。网络购物已迅速成为国民的重要购物方式,为国民的生活带来了很大的便利,但同时,目前我国的网络购物还存在许多不良现象,网购消费者的权益还不能得到全面的保护。     

消费者权益保护与发展民营经济

针对我国民营经济的发展实际,对亚当·斯密的"看不见的手"理论可以辩证地理解为:保护消费者权益能促进民营经济发展,它是促进民营经济发展的"一只看不见的手".保护消费者权益既符合民营企业的长期利益最大化要求,又符合优胜劣汰的市场竞争法则,是民营企业赖以生存和发展的市场秩序的重要内容.     

影响消费者食物消费行为的因素

采访和观察是两个有效并高效的两种消费者行为研究方法.采访趋向于从消费者身上挖掘更深层的信息.观察则更趋向于提供第一手资料显示人们日常生活中的做法.实际上,为了得出影响食物消费因素,观察方法提供了更准确的最有效的教据,它将提供最直接的去除其它影响的信息.本文将运用两种方法研究影响消费者事务消费行为的因素.     

How COVID-19 changed Italian consumers' behavior

We investigate how the COVID-19 pandemic affected people's health-related choices and spending habits in Italy, the first European country to be heavily affected by the pandemic. We collected about 3000 questionnaires in May and June 2020 (that is, during the stabilization phase that followed the country's lockdown), asking questions taken from the “Survey tool and guidance: rapid, simple, flexible behavioural insights on COVID-19” issued by the World Health Organization (WHO), and correlated the responses with respondents' demographic and socioeconomic profiles. A principal component analysis (PCA) shows three main components that we label “Unusual behavior,” “Precautionary spending,” and “Augmented social distancing,” which vary with demographic and socioeconomic characteristics.     

Mature Australian consumers' adoption and consumption of self-service banking technologies

The slow diffusion of self-service banking technologies (SSBTs) into the mature consumer market necessitates research to understand better this growing section of the population and the diversity that exists within this market. This research analyses the 50+ market through a segmentation approach based on the level of use of SSBTs. Three segments were identified: non-users, low users and medium-to-high users of SSBTs; these are profiled by frequency of use and demographic variables. The medium-to-high user segment embraces a range of SSBTs and uses credit cards to facilitate their financial activities. Non-users and some low users prefer the customary way of conducting transactions and enjoy the personal interaction with the bank employee. These two segments do, however, have a moderate level of credit card use. Finally, a small percentage of diffusion discontinuance was identified in this study of the mature consumer market.     

Corporate voluntary disclosure and the separation of cash flow rights from control rights

We find that corporate voluntary disclosure is negatively associated with the separation of cash flow rights from control rights. This result is consistent with the notion that as the separation of cash flow rights from control rights increases, controlling owners have larger incentives to expropriate the wealth of minority shareholders and low corporate disclosure constitutes a mechanism to facilitate controlling owners in masking their private benefits of control. The negative association between voluntary disclosure and the separation of cash flow rights from control rights is less pronounced for firms with greater external financing needs. This result suggests that for firms with high separation of cash flow rights from control rights, those with greater external financing needs undertake higher firm-level voluntary disclosure to reduce information asymmetry. We also find that the negative association between voluntary disclosure and the separation of cash flow rights from control rights is less pronounced for firms that have a large non-management shareholder. Our result supports the role of large non-management shareholder in mitigating agency problems associated with the separation of ownership and control.

Factors that affect consumers' cross-buying intention: A model for financial services

Cross-buying behaviour in retail banking is receiving increasing research attention. Most studies on relationship development however revolve around relationship depth and length, while there has been hardly any work on the factors that affect relationship breadth. This research proposes and subsequently tests through structural equation modelling a model of factors that affect customers' intention of cross-buying retail financial services. The study yielded rich research results. Most notably, it demonstrated the centrality of image and trust in the formation of cross-buying intention and also showed that customers' cross-buying intention is formed by a combination of interrelationships among the four variables in the model, which should all act simultaneously.     

The demise of the rights issue

This article suggests that the lack of use of rights offeringsin the United States, a phenomenon referred to as the equityunderwriting paradox, can be explained by transaction-cost conditions.A sample of underwritten rights offerings provides support forthe explanation. Firms making underwritten rights offeringspaid lower underwriter fees but incurred significantly largerprice drops just prior to the offering than did firms makingunderwritten public offerings. Further analysis reveals thatthe underwritten-rights-offering price concessions are a formof transaction cost that is not found in under-written publicofferings.     

Trading and enforcing patent rights

We study how the market for innovation affects enforcement of patent rights. We show that patent transactions arising from comparative advantages in commercialization increase litigation, but trades driven by advantages in patent enforcement reduce it. Using data on trade and litigation of individually owned patents in the United States, we exploit variation in capital gains tax rates across states as an instrument to identify the causal effect of trade on litigation. We find that taxes strongly affect patent transactions, and that trade reduces litigation on average, but the impact is heterogeneous. Patents with larger potential gains from trade are more likely to change ownership, and the impact depends critically on transaction characteristics.