文档介绍：山西财经大学
硕士学位论文
金融消费者权益保护的法律问题研究
姓名:闫玮
申请学位级别:硕士
专业:经济法学
指导教师:张旭娟
2011-03-07
摘要
本文在次贷危机尚未恢复过来的全球经济低迷的时代背景下反
思,认为加强金融消费者的保护,成为后金融危机时期各国和各地
区金融监管当局反思和改革的重要内容。从金融消费者概念的界定
出发,通过分析国外对金融商品交易和金融消费者基本概念的界定,
对金融领域消费者的嬗变进行剖析,结合我国经济法律发展现状来
界定金融消费者的内涵及外延,指出金融消费者区别于普通消费者
的特殊性和提出特殊保护的原因。分析我国金融消费者保护的现状
和缺失,通过国外金融消费者权益保护的模式的分析、评价进而给
我国金融消费者权益保护提供借鉴,提出解决方案,构建我国金融
消费者保护的法律基础,提出法律构建的原则,建立统一的金融消
费者保护机构,赋予其更大的独立性和监管权,规范金融行业的信
息披露制度,完善金融消费者权益的保护。

【关键词】金融消费、知情权、公平交易、隐私权、法律保护

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Abstract
In this paper, how to reinforce the legal protection for consumers in financial service
has been considered as one of the most significant issues for the government to cope
with the financial crisis in the future. Due to the economic depression which was
caused by the subprime crisis in the world, firstly, it is crucial to identify the
comparison between the financial consumer and normal consumer. It will assist the
government obverse the diverse consumer’s behavior to reveal the particularity of
the financial consumer’s behavior, as well as seek the reasons of specific legal
protection for this group of people. Secondly, the present status of legal protection
for financial customers in China will be profound discussed. Through evaluation of
the different modes of financial consumer’s protection in legal part from other
countries, a goal to construct the fundamental laws as well as the principia in China
should be achieved to ensure the further polices will be executed more efficient.
Finally, building the unified institutions that are endowed the greater independence
and the right of supervise. In this case, the information disclosing system will be
more standardized, the rights of financial consumer will be more perfectly protected
at the same time.

【Key Words】Financial consumption, right, fair trade, privacy and the protection
of the law

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