金融消费者知情权的立法保护研究-法学专业论文.docxVIP

摘要 摘要 万方数据 万方数据 摘 要 随着我国金融业市场的迅速发展，金融消费者权益保护的相关问题日益显 现。在金融消费者的所有权利之中，知情权是最基础的权利，是其他权利实现的 保障。然而金融机构在金融交易市场中占据着垄断性的地位、金融机构与金融消 费者之间的信息存在着严重不对称，导致消费者在商品和服务的交易中处于弱势 地位，所以充分地保护金融消费者的知情权就变得尤为重要。除去引言和结语部 分外，正文分成：第一章，金融消费者知情权的相关概念界定及保护必要性。本 章从内涵和外延两个方面对金融消费者的概念进行界定，并且指出了金融消费者 知情权的内容和特征，由此得出保护的必要性。第二章，国际金融消费者知情权 保护立法的评析。本章选择了《金融消费者保护高级原则》和美国、英国、日本 等金融业比较发达的国家立法概况进行介绍性分析。第三章，我国金融消费者知 情权保护的立法现状与不足。本章分别从银行业立法、保险业立法、证券业立法 对我国的立法现状进行分析，指出我国现行立法的不足之处。第四章，加强我国 金融消费者知情权的保护。对我国法律制度的构建提出建议，为我国金融市场能 够健康、稳定发展提出建设性意见。 关键词：金融消费者；知情权；信息披露；金融立法 II Abst Abstract ABSTRACT With the rapid development of Chinas financial sector of the market, financial issues related to consumer protection is increasingly apparent. Among all the financial consumer rights , the right to information is the most basic rights is to protect other rights implementation. However, financial institutions accounted for in the financial trading market in a monopoly position, financial institutions and financial information between consumers there is a serious asymmetry , resulting in a weak position in the consumer goods and services trade , so adequately protect the financial the consumer s right to know becomes particularly important. Introduction and conclusion to remove the outer part of the body is divided into : the first chapter , related concepts and the need to protect financial consumers right to know . This chapter from both the connotation and extension of the concept of financial consumers to define and point out the contents and characteristics of financial consumer s right to know , the need to protect the thus obtained .The second chapter of the international financial consumers right to protect Comment legislation. This chapter chose senior financial consumer protection principles , and the United States,Britain,Japan and other more developed financial sector overview of national legislation introduced retrospectively. The third chapter , the status quo of Chinas financial legislation to protect consumers