商业银行理财产品的消费者权益保护研究

随着我国消费者对能战胜通货膨胀的投资理财产品的需求增加,理财产品市场作为重要的投资渠道意义重大。本文从商业银行理财产品市场消费者权益受损状况着手,从理财产品的特殊性、消费者自身原因、银行不规范经营与监管不力等方面分析总结消费者权益受损状况,在此基础上提出了相应的对策。

Commercial bank financial product's consumer right protection research

With increasing demand for finance and investment varieties which can beat inflation, financial products market is obviously a significant investment channel for the residents. This article explores the current situation and problems of financial products market, and makes a conclusion that the problems are caused by the special nature of financial products, the disadvantages of consumers, the poor management of the Commercial Bank and the lack of supervision against the interests of consumers in financial products market. Then put forward the corresponding countermeasures.