金融消费者权益保护探究

随着我国金融市场的发展,金融纠纷日益增多,而对于金融消费者的立法保护仍是一片空白.金融消费者由于其自身知识的缺乏和监管部门职能的缺陷在金融交易中往往处于弱势地位,一旦发生金融纠纷就会出现投诉无门的窘境.因此借鉴英美澳等发达国家在金融消费者保护方面的有益探索,我国有必要从立法、监管、教育等方面保护处于弱势地位的金融消费者,保障其知情权、隐私权和求偿权.同时对于金融机构应加强其义务与责任,促进金融机构提供金融产品的规范化、人性化.而保护金融消费者对于维护金融市场的繁荣与稳定,防止金融危机的发生也具有重要意义.

Explore to Protect Financial Consumer Rights

With Chinese financial market development,the financial dispute has been increased,but the legal protect for financial customer is still a blank.Because of lack of financial knowledge and supervise,financial customers are in unadvantaged position and once financial dispute has happened,we have no way to complain.So we should take example by American,England,Australia’s explore in financial customer protect.Our country should protect financial customer who are in weak position in terms of legislation,regulation,education and so on to ensure their right to know,privacy right,claim right.As for financial institutions,we should strengthen its duty and responsibility and make financial institutions to provide financial product more standardization and humanization.And protecting financial customer is good for maintaining financial market prosperity and stability and prevents financial crises.