本文選題：金融消費者　切入點：權(quán)益保護　出處：《延邊大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：如今隨著社會的進步和發(fā)展,金融市場也呈現(xiàn)出欣欣向榮的發(fā)展局面,金融商品和服務(wù)越來越在人們的生活中發(fā)揮著重要的作用。金融商品和服務(wù)日益復(fù)雜化、專業(yè)化、豐富化、交易中信息的不對稱,以及信息披露不充分、金融消費者與金融機構(gòu)之間公平交易地位隨之不斷弱化等原因,使金融消費糾紛呈不斷上升的趨勢。如今我國雖然建立了相對完善的消費者權(quán)益保護體系,但是在實踐中沒有充分的發(fā)揮消費者權(quán)益保護的作用,同時,權(quán)益保護體系的建立也明顯落后于現(xiàn)實需要。在借鑒原有文獻之上,擬對韓國的金融消費者保護進行深入學(xué)習(xí),并結(jié)合分析我國金融消費者保護的現(xiàn)狀及不足,借鑒韓國金融消費者權(quán)益保護的實踐來完善我國的消費者權(quán)益保護,保證消費者的糾紛能夠及時的得到解決,確保消費者的合法權(quán)益得到保證,提高消費者對于金融機構(gòu)的滿意程度,最終保護金融消費者的權(quán)益具有重要的現(xiàn)實意義。所謂金融消費者是購買、使用金融產(chǎn)品或接受金融服務(wù)的,并且作為非職業(yè)性的目的參與到金融活動中,處于金融活動中的弱勢群體,并缺乏專業(yè)性的金融知識的人或群體。在金融活動中,消費者由于處于弱勢地位而得到法律的保護,法律規(guī)定,消費者具有的合法權(quán)利有：安全權(quán),知情權(quán),組織權(quán),選擇權(quán),監(jiān)督權(quán),公平權(quán),知識獲取權(quán),依法求償權(quán)。針對我國的金融消費者權(quán)益保護的執(zhí)行情況,并對其存在的不足之處進行分析,可以發(fā)現(xiàn)我國的金融消費者的權(quán)益保護方面還存在漏洞,并存在監(jiān)管不力的情況,向金融機構(gòu)內(nèi)部、向消協(xié)、“三會”協(xié)會投訴、向金融監(jiān)管機構(gòu)投訴、申請金融仲裁等救濟方式存在著種種缺陷。最后對韓國的金融消費者權(quán)益保護制度以及具體實踐分析,即韓國金融監(jiān)督院、韓國消費者院、韓國交易所、韓國金融投資協(xié)會的金融消費糾紛調(diào)解制度以及金融申訴專員制度,其中韓國的金融申訴專員制度的獨立性、快捷性、對金融消費者的傾斜性保護等特點,為我國的金融消費者保護提供了可供借鑒的經(jīng)驗。因此,我國借鑒韓國的金融申訴專員制度,并構(gòu)建多元化的金融消費者權(quán)益保護制度、制定專門的金融消費者權(quán)益保護法等,切實保護金融消費者權(quán)益。
[Abstract]:Today, with the progress and development of society, the financial market is also showing a thriving development situation. Financial goods and services are playing an increasingly important role in people's lives. Financial goods and services are becoming more and more complex and specialized. Such reasons as enrichment, asymmetry of information in transactions, inadequate disclosure of information, and the weakening of the position of fair trading between financial consumers and financial institutions, and so on, Although China has established a relatively perfect consumer rights protection system, it has not fully played the role of consumer rights and interests protection in practice, at the same time, The establishment of the system of protection of rights and interests also lags behind the needs of reality. On the basis of reference to the original literature, the author intends to study the financial consumer protection in Korea, and analyze the current situation and shortcomings of the protection of financial consumers in China. Learn from the practice of Korean financial consumer rights and interests protection to improve the protection of consumer rights and interests in China, to ensure that consumer disputes can be resolved in time, to ensure that the legitimate rights and interests of consumers are guaranteed. Improving consumer satisfaction with financial institutions and ultimately protecting the rights and interests of financial consumers are of great practical significance. The so-called financial consumers buy, use, or receive financial services. And as a non-professional purpose to participate in financial activities, in the financial activities of the disadvantaged groups, and lack of professional financial knowledge of people or groups. In financial activities, consumers are protected by law because of their weak position. According to the law, the legal rights of consumers are: the right to security, the right to know, the right to organize, the right to choose, the right to supervise, the right to fair, the right to acquire knowledge, the right to claim compensation according to law. By analyzing its shortcomings, we can find that there are still loopholes in the protection of the rights and interests of financial consumers in our country, and that there is a lack of supervision. We can complain to the financial institutions, to the Consumer Association, and to the "three councils" Association. Complaints to financial regulators, applications for financial arbitration and other remedies have various defects. Finally, the system of protecting the rights and interests of financial consumers in South Korea and its specific practice are analyzed, that is, the Korea Financial Supervision Institute, the Korean Consumer House, and the Korean Exchange. The Korea Financial Investment Association's financial consumption dispute mediation system and the financial complaints commissioner system, among them, Korea's financial complaints commissioner system is characterized by its independence, rapidity, and preferential protection for financial consumers. Therefore, our country draws lessons from the financial complaints commissioner system of Korea, constructs the diversified financial consumer rights and interests protection system, and formulates the special financial consumer rights and interests protection law and so on. We will effectively protect the rights and interests of financial consumers.
【學(xué)位授予單位】：延邊大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D931.26;D923.8

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本文編號：1642736