金融消费者保护法律问题研究——以金融消费知情权为视角法律专业论文.docxVIP

金融消费者保护法律问题研究 ——以金融消费知情权为视角 摘 要 2008 年以来全球金融危机的爆发，使人们的视线聚焦于金融消费者权益的 保护。以美国为代表的发达国家重申金融消费者权益保护的重要性，并迅速通过 相关立法及一系列措施，进一步加强金融消费者权益保护。我国金融业起步虽晚 但发展迅速，伴随金融业高速发展，金融消费群体逐步壮大，金融交易中消费者 受到侵害的问题也日益严峻。怎样有效地克服现实中的各种缺陷与不足，规范金 融服务者行为，加强维护金融消费者权益是我们必须考虑的问题。 与普通消费者相比，金融消费者有其特殊属性，在界定金融消费者概念时， 应当突破传统消费者概念的局限，将银行、保险、证券等金融领域不具备专业素 质、在交易中处于弱势地位的金融商品或服务的购买个体视为金融消费者。金融 消费知情权是金融消费者的核心权利，其它权利都是以金融消费知情权为中心的 衍生权利。因此，通过考察金融消费知情权实现的困境，如信息披露不完善、败 德行为丛生、司法诉讼中举证难等可以充分透视出现阶段我国金融消费者权益保 护在立法体系、行政监管、司法救济上存在的问题。 针对我国金融消费者权益保护的问题与不足，需参考结合国外有益实践，从 以下方面加以完善：通过在立法中明确金融消费者的法律地位、强化金融机构的 信息披露和合规劝诱义务、明确金融机构的民事赔偿责任，在行政监管上改进金 融监管模式、设立金融消费者权益保护专门机制、加强金融消费者培训教育、在 司法救济中明确举证责任分配、完善小额诉讼在金融消费纠纷案中的运用等措施 来完善金融消费者权益保护制度。 关键词：金融消费者，金融消费知情权，金融商品 Research on Legal Issues of Financial Consumer Protection ——From Prospect of Financial Consumer’s Right to Information Abstract With the outbreak of the global financial crisis in 2008, peoples attention is focused on the protection of the financial consumers. In some developed countries, especially the United States, reiterated the importance of it, and quickly launched the relevant legislation and a series of measures to further strengthen the protection of this group. China’s financial industry started late, but has got a rapid development. Accompanied by the rapid development of the financial industry, the interests of financial consumer groups are facing a serious infringement. How to effectively overcome the defects and shortcomings, to regulate the behavior of financial service providers is a question we must consider. Financial consumers are different from consumers in our daily life, so the definition of the concept of financial consumers should go beyond the limitations of traditional consumer concept, that is to say, all the natural persons from any financial areas who purchase financial products or services should be considered as financial consumers because of the lack of professional quality and their weak position in the transaction. By analyzing the plight of realiza