监管视域下我国银行理财产品消费者保护研究-经济法专业论文.docxVIP

西南 西南政法大学硕士学位论文 监管 监管视域下我国银行理财产品消费者保护研究 银行理财产品消费者监管现状与域外可借鉴经验相结合，从立法层面、主体层面、职权 层面、程序层面和配套制度等角度提出了：提升银行理财产品消费者保护的系统性和操 作性，弥补银行理财产品消费者保护的主体失位，厘清银行理财产品消费者保护的价值 和职责，提高其权利救济的效果，健全银行理财产品消费者保护的配套制度等一系列完 善我国银行理财产品消费者保护的监管建议。 关键词：监管视域；银行理财产品；消费者；监管保障 Abstract As the fast development of bank financial products in China, in the process of regulation, all kinds of problems and conflicts between the banks and financial products customers emerge. The emergence of those problems not only unfavorable to the development of the bank financial products, but also not conducive to bank financial products consumer protection. After the research related to the basic theory, from the regulatory perspective of the legislation level, subject level, authority level, application level and supporting systems, consumer protection regulation of bank financing products problems are analyzed and studied in the article, and to draw lessons from foreign experience and advanced practices, so as to put forward the regulation horizon, consummates bank financial products consumer protection countermeasures in our country. The thesis is divided into: The first part is the summary of theories of legal protection for bank financial product customers. This part differentiates bank customer and bank client, analyzes the concept of bank financial products, and then define the concept of bank financial product customers and illustrates its basic characteristics. Afterwards, the thesis analyzes and discusses the theoretical basis of legal protection for domestic bank financial product customers, and then explores the basic principles of legal protection for bank financial product customers. The second part, on the basis of the first part, makes analysis of the problems existing in the protection for domestic bank financial product customers under regulation. Through the analysis of problems, it is found that under the separate regulation of financial regulation system, there are the following problems: the legal