本文選題：金融消費者 + 信用卡糾紛�。� 參考：《山西大學(xué)》2015年碩士論文

【摘要】：建立健全金融消費糾紛解決機制,對于保護金融消費者合法權(quán)利及利益至關(guān)重要,為此,金融業(yè)發(fā)達國家設(shè)置了兼具獨立與權(quán)威的機構(gòu)處理金融消費糾紛。我國的“一行三會”已分別設(shè)立了專司金融消費者保護職責(zé)的部門,金融消費者保護日益受到銀監(jiān)會等監(jiān)管機構(gòu)的重視。盡管如此,面對日益復(fù)雜、專業(yè)的金融服務(wù)和產(chǎn)品,金融消費者不論是在信息掌握方面,還是經(jīng)濟實力方面都無法與實力強大的金融機構(gòu)相比；糾紛發(fā)生時,由于缺乏高效、便捷的解決方式,其權(quán)益難以得到有效救濟。因此,建立健全金融消費糾紛解決機制不僅可以解決金融消費者維權(quán)難、投訴難的問題,對保護金融消費者權(quán)益也有重要現(xiàn)實意義。信用卡消費是金融消費的重要內(nèi)容,由此產(chǎn)生的消費糾紛具有一定的普遍性及代表性,通過對信用卡消費糾紛解決機制的研究,可以為我國金融消費糾紛解決機制的完善提供參考。論文運用實證分析、比較分析、文獻分析等方法,通過對調(diào)查問卷、走訪調(diào)查,以及相關(guān)文獻和數(shù)據(jù)的分析,并結(jié)合發(fā)達國家的先進經(jīng)驗,指出信用卡消費糾紛解決機制存在的主要問題,并提出具體對策。除引言和結(jié)語外,論文共分三部分。第一部分論述調(diào)查概況及結(jié)果,包括調(diào)查范圍和對象、調(diào)查方法和內(nèi)容、調(diào)查結(jié)果的具體分析。通過對主要銀行的信用卡開卡申請書、問卷調(diào)查結(jié)果、信用卡糾紛相關(guān)數(shù)據(jù)的分析,可以看出,我國信用卡糾紛及其解決主要有幾個特點：一是信用卡糾紛日益增多；二是經(jīng)濟越發(fā)達的地區(qū),信用卡糾紛越多；三是消費者欠缺自我保護意識；四是金融機構(gòu)忽視爭議的解決；五是解決方式缺乏多元化。第二部分分析信用卡消費糾紛解決存在的主要缺陷。結(jié)合調(diào)查結(jié)果以及我國現(xiàn)行的相關(guān)法律規(guī)定,作者指出信用卡消費糾紛解決機制存在以下問題：缺少專門保護金融消費者的法律法規(guī)；內(nèi)部糾紛解決機制不健全；消費者選擇爭議處理方式受限制；解決方式間缺乏先后順序；消費者金融知識匱乏。第三部分合理借鑒國際經(jīng)驗提出完善我國現(xiàn)行信用卡消費糾紛解決機制的具體建議。具體包括：出臺專門保護金融消費者的法律法規(guī)；完善內(nèi)部投訴處理機制；保證消費者對處理方法的選擇權(quán)；將內(nèi)部投訴處理程序作為前置程序；提高消費者的金融知識水平。
[Abstract]:It is very important to establish and perfect financial consumption dispute resolution mechanism to protect the legal rights and interests of financial consumers. Therefore, financial developed countries have set up independent and authoritative institutions to deal with financial consumption disputes. China's "one party and three sessions" has set up a special responsibility for financial consumer protection departments, financial consumer protection has been increasingly attached importance to the Banking Regulatory Commission and other regulatory bodies. Nevertheless, in the face of increasingly complex, professional financial services and products, financial consumers are unable to compare with powerful financial institutions in terms of information and economic strength; disputes arise because of a lack of efficiency, Convenient solution, its rights and interests are difficult to get effective relief. Therefore, the establishment and improvement of financial consumption dispute resolution mechanism can not only solve the problem of financial consumers' rights and complaints, but also have an important practical significance to protect the rights and interests of financial consumers. Credit card consumption is an important content of financial consumption. The resulting consumption disputes have a certain universality and representativeness. It can provide reference for the perfection of financial consumption dispute resolution mechanism in China. The paper uses the methods of empirical analysis, comparative analysis, literature analysis, through questionnaire, interview, and related literature and data analysis, and combines the advanced experience of developed countries. This paper points out the main problems existing in the dispute resolution mechanism of credit card consumption, and puts forward some concrete countermeasures. In addition to the introduction and conclusion, the paper is divided into three parts. The first part discusses the survey survey and results, including the scope and object of investigation, investigation methods and contents, the specific analysis of the survey results. Through the analysis of the credit card application form of the main bank, the result of the questionnaire, and the data of the credit card dispute, we can see that there are several characteristics of the credit card dispute and its solution in our country: first, the credit card dispute is increasing day by day; Second, the more developed areas, the more credit card disputes; third, consumers lack of self-protection awareness; fourth, financial institutions ignore dispute resolution; fifth, lack of diversification of solutions. The second part analyzes the main defects of credit card consumption dispute resolution. Based on the investigation results and relevant laws and regulations in China, the author points out that the following problems exist in the dispute resolution mechanism of credit card consumption: the lack of laws and regulations specifically protecting financial consumers, the imperfect internal dispute resolution mechanism; Consumers are restricted in their choice of dispute resolution, lack of priority among solutions, and lack of financial knowledge. In the third part, the author puts forward some concrete suggestions on how to improve the current dispute resolution mechanism of credit card consumption. It includes: introducing special laws and regulations to protect financial consumers; perfecting internal complaint handling mechanism; ensuring consumers' choice of handling methods; taking internal complaint processing procedures as pre-procedures; improving consumers' financial knowledge level.
【學(xué)位授予單位】：山西大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D922.281;D923.8

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相關(guān)期刊論文 前3條

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本文編號：1849898