本文關(guān)鍵詞： 互聯(lián)網(wǎng)金融 金融消費(fèi)者 權(quán)益保護(hù) 法律制度　出處：《江西財(cái)經(jīng)大學(xué)》2016年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：隨著信息技術(shù)的快速發(fā)展,信息社會(huì)變革已改變?nèi)祟?lèi)社會(huì)傳統(tǒng)的生活方式,其中互聯(lián)網(wǎng)帶來(lái)的巨大推動(dòng)力已逐步深入到金融市場(chǎng)體系的眾多領(lǐng)域。2013年以來(lái),以第三方支付、P2P網(wǎng)絡(luò)貸款、眾籌融資等為代表的互聯(lián)網(wǎng)金融業(yè)務(wù)快速增長(zhǎng),在為金融消費(fèi)者提供更加便利服務(wù)的同時(shí),進(jìn)而也引發(fā)了消費(fèi)者權(quán)益保護(hù)之憂(yōu)。由于互聯(lián)網(wǎng)金融具有典型的“跨市場(chǎng)、跨行業(yè)、無(wú)國(guó)界、產(chǎn)品類(lèi)型多、創(chuàng)新快”等特征,互聯(lián)網(wǎng)金融消費(fèi)者能夠隨時(shí)隨地在互聯(lián)網(wǎng)上尋找所需要的金融資源,金融服務(wù)更直接,且消費(fèi)者更為廣泛。而在這種互聯(lián)網(wǎng)金融模式下往往具有交易信息不對(duì)稱(chēng)、主體地位不平等、資金安全存隱患、個(gè)人隱私易泄露等風(fēng)險(xiǎn)。因此,在這種特殊的互聯(lián)網(wǎng)金融模式下,加強(qiáng)互聯(lián)網(wǎng)金融消費(fèi)者權(quán)益保護(hù)的迫切性和必要性日益凸顯�；ヂ�(lián)網(wǎng)金融作為一種新興模式,其發(fā)展速度快,創(chuàng)新性強(qiáng),而相關(guān)立法及法律的修訂無(wú)法及時(shí)跟進(jìn),導(dǎo)致我國(guó)在互聯(lián)網(wǎng)金融消費(fèi)者權(quán)益保護(hù)法律制度呈現(xiàn)滯后性,以及部分法律法規(guī)相對(duì)缺失,法律框架和司法救濟(jì)有待完善,因此強(qiáng)化我國(guó)互聯(lián)網(wǎng)金融消費(fèi)者權(quán)益保護(hù),理應(yīng)對(duì)相關(guān)的法律制度進(jìn)行研究,為互聯(lián)網(wǎng)金融消費(fèi)者權(quán)益的實(shí)現(xiàn),提供一個(gè)堅(jiān)實(shí)的法律基礎(chǔ)與保障,實(shí)現(xiàn)有法可依,推動(dòng)我國(guó)依法治國(guó)的進(jìn)程。國(guó)外互聯(lián)網(wǎng)金融消費(fèi)者權(quán)益保護(hù)法律制度和監(jiān)管制度對(duì)我國(guó)強(qiáng)化互聯(lián)網(wǎng)金融消費(fèi)者權(quán)益保護(hù)制度具有一定的借鑒意義,我國(guó)在互聯(lián)網(wǎng)金融消費(fèi)者權(quán)益保護(hù)法律制度建設(shè)方面可以積極借鑒國(guó)外的法律制度、監(jiān)管制度,以及糾紛解決制度的有益經(jīng)驗(yàn)。在借鑒國(guó)外經(jīng)驗(yàn)的基礎(chǔ)上,通過(guò)以下兩個(gè)方面對(duì)我國(guó)互聯(lián)網(wǎng)金融消費(fèi)者權(quán)益保護(hù)法律機(jī)制方面進(jìn)行完善:一方面,積極建立與我國(guó)當(dāng)前互聯(lián)網(wǎng)金融環(huán)境下相匹配的法律制度、監(jiān)管制度與司法制度,保證互聯(lián)網(wǎng)金融消費(fèi)者有法可依,為互聯(lián)網(wǎng)金融消費(fèi)者提供法律與制度支持;另一方面,在完善以上相關(guān)制度的基礎(chǔ)之上,還需要加強(qiáng)行業(yè)自律和加強(qiáng)互聯(lián)網(wǎng)金融消費(fèi)者的風(fēng)險(xiǎn)教育。
[Abstract]:With the rapid development of information technology, the transformation of the information society has changed the traditional way of life of human society, in which the huge impetus brought by the Internet has gradually penetrated into many fields of the financial market system. Since 2013, Internet financial services, represented by third-party payment of P2P network loans and crowdfunding, have grown rapidly, providing more convenient services for financial consumers. This also raises concerns about the protection of consumers' rights and interests. Because Internet finance has the typical characteristics of "cross-market, cross-industry, borderless, multi-product types, fast innovation," and so on. Internet financial consumers can find the necessary financial resources on the Internet anytime and anywhere. The financial services are more direct and consumers are more extensive. Such risks as unequal status of the subject, hidden dangers to the security of funds, easy disclosure of personal privacy, and so on. Therefore, under this special Internet financial model, The urgency and necessity of strengthening the protection of consumers' rights and interests in Internet finance are becoming increasingly prominent. As a new model, Internet finance is developing rapidly and innovatively, but the relevant legislation and laws can not be followed up in time. As a result of the lag in the legal system of protecting the rights and interests of Internet financial consumers in our country, and the relative absence of some laws and regulations, the legal framework and judicial relief need to be improved, so we should strengthen the protection of the rights and interests of Internet financial consumers in our country. The relevant legal system should be studied to provide a solid legal basis and guarantee for the realization of the rights and interests of Internet financial consumers. To promote the process of governing the country according to law in our country. The foreign legal system and supervision system of Internet financial consumers' rights and interests protection have certain reference significance to strengthen the Internet financial consumers' rights protection system in our country. Our country can learn from the beneficial experience of foreign legal system, supervision system and dispute resolution system in the construction of legal system of Internet financial consumer rights protection. Through the following two aspects to improve the legal mechanism for the protection of the rights and interests of Internet financial consumers in China: on the one hand, we should actively establish a legal system that matches the current Internet financial environment of our country, a regulatory system and a judicial system. To ensure that Internet financial consumers have laws to abide by, and to provide legal and institutional support for Internet financial consumers; on the other hand, on the basis of perfecting the above related systems, Also need to strengthen industry self-discipline and strengthen Internet financial consumer risk education.
【學(xué)位授予單位】：江西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類(lèi)號(hào)】：D923.8

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