互联网金融消费者保护制度研究.docVIP

内容摘要 传统金融业与快速发展的互联网技术相结合，创新出互联网金融的新形态。在中国，互联网金融迅速发展，互联网金融消费者群体逐渐壮大，然而互联网金融消费者合法权益的保护的发展速度却滞后于互联网金融的发展速度，互联网金融消费者的保护存在着众多需要尽快解决的问题。互联网金融消费者缺少一个明确的法律含义；金融消费者的隐私权、知情权得不到有力的保障；财产权容易的受到来自互联网的侵害；法律维权 途径不健全等。针对主要问题，现阶段保护互联网金融消费者合法权益，必须明确金融消费者的法律概念；加强金融消费者保护的立法工作以保护互联网金融消费者的知情权、隐私权和财产权；在有效的法律保护的基础上，拓宽消费者的法律维权途径；加强法律维权意识教育工作；形成完善的法律保障体制。 关键词：互联网金融 ；金融消费者；金融立法 Abstract The traditional finance industry?with the rapid development of? Internet technology,?innovative?new forms?of Internet?finance .In China, the financial Internet rapid development, the Internet growing financial consumer groups, but the Internet financial consumers legal rights and interests protection is lagging behind the development speed of the Internet financial development speed, the Internet consumer financial protection exist many problems which need to be settled as soon as possible. Internet financial consumers are lacking in of a clear legal connotation; Property rights easily from the infringement of the Internet; The legal rights of way is not sound, etc. In view of the main problems, protecting the legal rights and interests of Internet financial consumer at present stage, must clarify the legal concept of financial consumers; Strengthening financial consumer protection legislation to protect the Internet financial consumers right to know, right to privacy and property rights; On the basis of effective legal protection, broaden the consumers legal rights of way; Strengthen the legal rights consciousness education work; Form a perfect legal protection system. Key words：Internet finance; The financial consumers; Financial legislation 互联网金融消费者保护制度研究 一、互联网金融与互联网金融消费者 （二）互联网金融 互联网金融的概念 严格意义上说，我国的互联网金融并非是真正意义上的互联网金融，称作用互联网技术和移动信息技术补充和完善创新传统的金融服务和业务更为合适，故此互联网金融这个名词可以拆分为“互联网技术”和“金融”两部分。引入学者说法， 为互联网金融作一个概念界定，互联网金融是互联网与传统金融业相结合的新型金融，是在互联网时代，传统金融和互联网企业共同创新的产物。在互联网时代，通过对互联网及移动互联网的使用，传统金融业参与度变得更高，成本降低、协作性提高、透明度增强、操作更为便捷。当前互联网金融主要是以阿里金融为代表的金融运作平台、以众筹为代表的股权投资平台、以P2P（peer to peer）为代表的