商业银行理财产品消费者知情权保护研究-经济法学专业论文.docxVIP

面发展比较完善，这给我国在完善相应立法、司法方面提供了宝贵的借鉴意义。第四部分作为重点章节，分别从立法、司法、监管方面对我国银行理财产品消费者 面发展比较完善，这给我国在完善相应立法、司法方面提供了宝贵的借鉴意义。 第四部分作为重点章节，分别从立法、司法、监管方面对我国银行理财产品消费者 知情权法律保护的现状进行评价，揭示出我国相关立法经验和实践的不足。 第五部分围绕如何完善我国银行理财产品消费者知情权法律保护机制展开，比较域 外国家和地区的相关先进经验，去粗存精，有选择地借鉴，从立法、司法、监管三方面 提出完善建议。 关键词：商业银行理财产品 消费者知情权保护 万方数据 AbstractIn Abstract In recent years，with the rapid development of China’S economy,the national income is increasing．Accompanied by an increase in wealth，people has growing awareness of the awakening of finance and investment，thus commercial Bank Wealth management business has been booming．Beginning in 2004，the number of consumers of financial products is a growing several times．However,commercial banks will own all kinds of tricks of financial products to the market at the same time，financial disputes and other issues also accompanied by,for example，the obligation of commercial banks risk not completely fulfilled，misleading financial products sales，lack of supervision etc．．In financial disputes，what mostly Occurs is the right to know of consumer been violated by banks，which brings the crisis to the stability and healthy development of the financial market． The consumer of commercial bank financial products is distinguish with the ordinary consumers，and it has its alone particularity．Consumers of Bank financial products include both collective(corporate banking business objects)，and natural properties(objects of private banking business)．Referred to herein consumers of commercial bank financial products is especially natural consumer,because of their lack of professional in finance consumption process，while financial products consumers’right to know is priority．The right to obtain information is a prerequisite for the implementation of financial products．Consumers if there is not a right to know,the other interests of consumers are insignificance．Therefore，the strengthening protection to the consumer’S right to know of financial products is inevitable． Throughout China’S current leg