本文選題：互聯(lián)網(wǎng)　切入點：金融　出處：《四川省社會科學院》2015年碩士論文　論文類型：學位論文

【摘要】：隨著互聯(lián)網(wǎng)技術和金融業(yè)在我國迅速發(fā)展,以及廣大消費者對金融產(chǎn)品與服務的需求不斷增加,互聯(lián)網(wǎng)金融這一新的金融業(yè)態(tài)逐漸進入了我們的日常生活。支付寶、余額寶、增值寶、微信支付等互聯(lián)網(wǎng)金融產(chǎn)品或模式正在潛移默化中改變著人們傳統(tǒng)的金融消費習慣�；ヂ�(lián)網(wǎng)金融如今已經(jīng)成為互聯(lián)網(wǎng)時代金融發(fā)展的主要方向�；ヂ�(lián)網(wǎng)金融消費者作為以消費互聯(lián)網(wǎng)金融產(chǎn)品與服務為主的一類消費群體,是隨著互聯(lián)網(wǎng)金融業(yè)務在我國的快速發(fā)展而出現(xiàn)的。在互聯(lián)網(wǎng)金融交易中,因消費載體的虛擬化、數(shù)字化,消費者需要面對不同于傳統(tǒng)金融產(chǎn)品與服務的消費標的,需要承受更大的風險。當前互聯(lián)網(wǎng)金融消費者權益受到侵害的現(xiàn)象時有發(fā)生。如余額寶等互聯(lián)網(wǎng)金融類賬戶被違法盜用、一些新興的互聯(lián)網(wǎng)P2P網(wǎng)貸平臺崩潰跑路、互聯(lián)網(wǎng)金融消費者的個人金融信息被泄露、一些互聯(lián)網(wǎng)金融經(jīng)營企業(yè)有意的隱瞞投資風險并夸大其互聯(lián)網(wǎng)金融產(chǎn)品的預期收益等。故而隨著互聯(lián)網(wǎng)金融消費者權益受到侵害的現(xiàn)象越來越突出,我國互聯(lián)網(wǎng)金融消費者的權益保護需要進一步完善。而我國互聯(lián)網(wǎng)金融消費者的權益保護體系還存在諸多不足。主要表現(xiàn)在:一是立法上相關規(guī)定的缺乏;二是社會征信體系不健全;三是互聯(lián)網(wǎng)金融市場規(guī)范機制不完善;四是互聯(lián)網(wǎng)金融消費者維權途徑不順暢。本文結合現(xiàn)有的相關理論研究與實踐操作,嘗試從互聯(lián)網(wǎng)金融市場交易相關的基礎理論和互聯(lián)網(wǎng)金融消費者的權益保護現(xiàn)狀入手,就如何完善互聯(lián)網(wǎng)金融消費者的權益保護進行相關論述,并提出一些完善建議。這些建議可以概括為:一是制定并完善互聯(lián)網(wǎng)金融消費者的權益保護相關的法律法規(guī)與制度;二是健全我國社會征信體系;三是設立一個專門的互聯(lián)網(wǎng)金融市場監(jiān)管機構,完善互聯(lián)網(wǎng)金融監(jiān)管體制;四是建立新型的在線糾紛解決機制;五是加強對互聯(lián)網(wǎng)金融消費者相關知識的宣傳教育,重視對互聯(lián)網(wǎng)金融消費者的權益保護。
[Abstract]:With the rapid development of Internet technology and finance in China, and the increasing demand of consumers for financial products and services, the new financial format of Internet finance has gradually entered our daily life. Alipay, Yu'e Bao, Value-added treasure, WeChat Pay and other Internet financial products or models are changing people's traditional financial consumption habits. Internet finance has become the main direction of financial development in the Internet era. Internet financial consumption. As a class of consumer groups that mainly consume Internet financial products and services, With the rapid development of Internet financial business in China, because of the virtualization and digitization of consumer carriers, consumers have to face different consumer targets from traditional financial products and services in Internet financial transactions. Need to take greater risks. The current phenomenon of Internet financial consumers' rights and interests has occurred from time to time. Internet financial accounts such as Yu'e Bao have been illegally embezzled, and some new Internet P2P network loan platforms have collapsed and run away. The personal financial information of Internet financial consumers has been leaked. Some Internet financial enterprises deliberately conceal investment risks and exaggerate the expected income of their Internet financial products. Therefore, as the rights and interests of Internet financial consumers are violated, the phenomenon is becoming more and more prominent. The protection of the rights and interests of Internet financial consumers in China needs to be further improved. However, there are still many shortcomings in the system of protecting the rights and interests of Internet financial consumers in China. Second, the social credit system is not perfect; third, the normative mechanism of the Internet financial market is not perfect; fourth, the path of safeguarding the rights of Internet financial consumers is not smooth. This paper attempts to discuss how to improve the protection of Internet financial consumers' rights and interests from the basic theory of Internet financial market transaction and the current situation of Internet financial consumers' rights and interests protection. These suggestions can be summarized as follows: first, to formulate and perfect the laws, regulations and systems related to the protection of the rights and interests of Internet financial consumers; second, to improve our social credit system; Third, to establish a special supervision agency for the Internet financial market, and to perfect the Internet financial supervision system; fourth, to establish a new online dispute resolution mechanism; and fifth, to strengthen the publicity and education on the relevant knowledge of Internet financial consumers. Attention should be paid to the protection of the rights and interests of Internet financial consumers.
【學位授予單位】：四川省社會科學院
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：D923.8

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