本文選題：金融消費者權(quán)利　切入點：法律保護　出處：《哈爾濱工業(yè)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著金融業(yè)的迅速發(fā)展，世界范圍內(nèi)金融消費者權(quán)利受侵害事件頻繁發(fā)生，尤其2008年金融危機嚴(yán)重侵害了金融消費者的權(quán)益，因而有效保護其權(quán)利顯得更為迫切和重要。這次金融危機之后，美國進行金融改革，完善其金融消費者法律保護體系，更有效的保護金融消費者。而我國立法對金融消費者尚無界定，而且涉及金融消費者保護的法律存在諸多問題。因此，借鑒美國金融消費者法律保護的有益經(jīng)驗和反思其不足，對于構(gòu)建我國金融消費者權(quán)利法律保護體系具有重大的意義。 由于金融信息的嚴(yán)重不對稱與金融風(fēng)險的影響難以克服等原因，金融消費者在金融市場中處于不利的地位，需要專門的法律規(guī)范和法律制度予以特殊保護。在2008年金融危機之后，美國完善其金融消費者法律保護體系，加強對金融消費者權(quán)利的保護。其中主要的成果是《多德——弗蘭克法案》的頒布與實施。為了更好的借鑒美國經(jīng)驗，通過文獻分析法和規(guī)范分析法對其創(chuàng)設(shè)的金融消費者保護機構(gòu)和規(guī)則進行闡述和分析，論證強化中央金融機構(gòu)的權(quán)力、終止“繼續(xù)去監(jiān)管化”的趨勢和提升金融消費者保護價值位階等核心的價值理念。并且在上述分析的基礎(chǔ)上，立足我國的金融國情，，采用比較分析法，從金融消費者保護的宏觀法律制度與具體法律規(guī)范等方面完善我國金融消費者法律保護體系，從而實現(xiàn)對金融消費者權(quán)利的有效保護，促進金融市場的健康發(fā)展和持續(xù)繁榮。
[Abstract]:With the rapid development of financial industry, the rights of financial consumers are infringed frequently in the world, especially in 2008, the financial crisis seriously infringed on the rights and interests of financial consumers. It is therefore even more urgent and important to effectively protect its rights. After the financial crisis, the United States carried out financial reform to improve its legal protection system for financial consumers. The legislation of our country has not defined the financial consumers, and there are many problems in the laws concerning the protection of financial consumers. Therefore, we should learn from the beneficial experience of the legal protection of financial consumers in the United States and reflect on its shortcomings. It is of great significance to construct the legal protection system of financial consumer rights in China. Because of the serious asymmetry of financial information and the difficulty of overcoming the influence of financial risks, financial consumers are in a disadvantageous position in the financial market. Special legal norms and legal systems are needed for special protection. After the financial crisis in 2008, the United States improved its legal protection system for financial consumers. Strengthening the protection of the rights of financial consumers. One of the main achievements is the promulgation and implementation of the Dode Frank Act. Through literature analysis and normative analysis, this paper expounds and analyzes the financial consumer protection institutions and rules, and demonstrates and strengthens the power of the central financial institutions. To end the trend of "continue to deregulate" and to raise the value level of financial consumer protection, and on the basis of the above analysis, based on the financial situation of our country, using comparative analysis, In order to realize the effective protection of the rights of financial consumers and promote the healthy development and sustainable prosperity of financial markets, we should perfect the legal protection system of financial consumers from the aspects of macro legal system and specific legal norms of financial consumer protection.
【學(xué)位授予單位】：哈爾濱工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：D971.2;D922.28;D923.8

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