金融产品销售点信息披露制度若干问题研究-法律（非法学）专业论文.docxVIP

三大主体出发，分析了我国现阶段销售点信息披露制度发展滞后的缘由。然后针对我国制度发展滞 三大主体出发，分析了我国现阶段销售点信息披露制度发展滞后的缘由。然后针对我国制度发展滞 后缘由，结合国外相关先进的立法经验和措施，从制度立法、制度监督、金融机构管理、金融消费 教育四大方面提出了提高销售点信息披露制度立法层级、建立独立的金融消费者保护机构、建立金 融机构内部投诉处理机制、加强金融消费者金融教育等诸多具有实践意义的措施，为我国建立和完 善金融产品销售点信息披露制度提出参考意见。 关键字：销售点信息披露金融机构金融产品金融消费者 Ⅱ 万方数据 RESEARCH RESEARCH ON SOME PROBLEMS OF INFoRMAllION DISCLOSURE SYSTEM OF FINANCIAL PRODUCTS SALES POINT ABSTRACT Many financial products in the sales model，in the bank other financial institutions，to provide financial products services to consumers in the way of financial products has been showing new trend． But in reality,due to the state of the financial institutions to sell fmancial products，the legal norms of the restrictions not strict,and some fmancial institutions themselves lack of effective intemal and external restraint mechanism，sales personnel irregularities cheat consumers，consumers’right to know and the right to fair trade，to consumers with great economic and material losses．This paper analyzes the defects of China’S current fmancial product sales point information disclosure system，through the analysis of its theoretical basis and practical value，leam from foreign advanced legal norms，in-depth study of the relevant international documents theoretical results，explore the basic principles of financial products sales point of information disclosure，and improve the financial products sales point of information disclosure system． This paper is divided into three parts：introduction，text and conclusion．The main body is divided into five chapters．The fast chapter,through the description and analysis of of information disclosure the sales point,pry into the current situation and the lack of information disclosure system of financial products in china．First，this chapter describes bank employee due to the lack of strict compliance with the consumer financial product information disclosure obligations，resulting in the banks point of sale of bank financial products，the fmal purchase of the insu