本文關(guān)鍵詞： 金融消費(fèi)者 非訴機(jī)制 訴訟機(jī)制　出處：《江西財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：伴隨著全球經(jīng)濟(jì)不斷加快發(fā)展與融合,例如金融產(chǎn)品這種高端卻不普遍的消費(fèi)產(chǎn)品都開始作為普通商品一樣,走進(jìn)各家各戶。人們開始接受它并且將其作為投資理財(cái)?shù)妮d體,思考與研究如何才能在其中獲取最大的利潤(rùn)。所以金融業(yè)的發(fā)展可謂是蒸蒸日上,但是2008年的一次始于美國華爾街其影響波及全世界的次貸金融危機(jī),卻給這個(gè)一直以來勢(shì)頭強(qiáng)勁的新型行業(yè)敲醒了警鐘。隨后世界的主要經(jīng)濟(jì)主體和國家包括中國在內(nèi),采取各種措施漸漸走出了金融危機(jī)給各國帶來的經(jīng)濟(jì)蕭條、監(jiān)管混亂的局面。但是也不能忽略此次影響力巨大的金融危機(jī)爆發(fā)背后的真正緣由,究其原因即美國政府對(duì)金融業(yè)監(jiān)管方式不嚴(yán),金融服務(wù)機(jī)構(gòu)濫用自己的信用卻將信用風(fēng)險(xiǎn)最終轉(zhuǎn)嫁到金融消費(fèi)者身上。在這個(gè)緣由與背景之下,各自開始展開了對(duì)金融消費(fèi)者權(quán)益保護(hù)的討論與改革。針對(duì)金融消費(fèi)者權(quán)益保護(hù)最關(guān)鍵的是從實(shí)體利益開始規(guī)制一套完整而且嚴(yán)密的程序機(jī)制。 本文立足與金融消費(fèi)者保護(hù)相關(guān)的問題,從程序機(jī)制的角度出發(fā),運(yùn)用了比較研究的方法,針對(duì)幾個(gè)具有典型意義的發(fā)達(dá)國家對(duì)金融消費(fèi)者保護(hù)程序機(jī)制進(jìn)行了系統(tǒng)性的研究,并在此基礎(chǔ)上,分析匯總了幾種模式,再結(jié)合我國金融消費(fèi)者保護(hù)的問題現(xiàn)狀,提出了對(duì)我國構(gòu)建與完善金融消費(fèi)者保護(hù)的整體性、全面性、層次性的建議。 本文主要分為以下的四個(gè)部分： 第一部分,主要是提出對(duì)“金融消費(fèi)者”應(yīng)該如何予以準(zhǔn)確的定義,并且梳理了我國從建國初期到改革開放再到現(xiàn)代化的今天,我國金融消費(fèi)者法律保護(hù)制度的歷史發(fā)展過程。這就有利于我們歸納總結(jié)出我國金融消費(fèi)者保護(hù)與發(fā)展應(yīng)該繼續(xù)遵循的大致方向。 第二部分,提出了我國目前金融消費(fèi)者程序救濟(jì)機(jī)制中存在的主要問題。針對(duì)替代性糾紛解決機(jī)制與訴訟程序機(jī)制中,存在的程序設(shè)計(jì)的紕漏與缺陷,做了具體的闡明。針對(duì)問題才有利于解決問題。 第三部分,結(jié)合了美國、英國、日本、德國等具體的程序設(shè)計(jì)的情況,進(jìn)行了總結(jié),歸納出了幾種特定的糾紛解決模式。通過了解國外的情況,再結(jié)合我國的具體國情,取其精華、去其糟粕。為我國構(gòu)建與完善本土的金融消費(fèi)者保護(hù)的程序機(jī)制提供了靈感與意見。 第四部分,在針對(duì)前文比較研究的基礎(chǔ)之上,再針對(duì)我國金融消費(fèi)者保護(hù)程序機(jī)制上存在的諸多問題,分別給出相關(guān)的完善建議,并從我國的現(xiàn)狀出發(fā),提出完善消費(fèi)者保護(hù)制度構(gòu)建中的現(xiàn)階段與最終階段的目標(biāo)與設(shè)想。
[Abstract]:With the rapid development and integration of the global economy, such as financial products, such as high-end but not universal consumer products are beginning to be the same as ordinary goods. People begin to accept it and use it as the carrier of investment and finance, and think and study how to get the maximum profit in it. So the development of financial industry is booming day by day. But in 2008, a subprime financial crisis that began on Wall Street and affected the world. Then the world's main economic body and countries, including China, took various measures to gradually emerge from the financial crisis brought about by the economic depression around the world. Regulatory chaos. But we can not ignore the impact of the financial crisis behind the real cause, the reason is that the U. S. government is not strict with the financial sector regulation. Financial service institutions abuse their own credit but ultimately transfer the credit risk to financial consumers. The key to the protection of financial consumers' rights and interests is to regulate a set of complete and strict procedural mechanism from the perspective of real interests. Based on the problems related to the protection of financial consumers and from the point of view of the procedural mechanism, this paper uses the method of comparative research. Aiming at several typical developed countries, this paper makes a systematic research on the mechanism of financial consumer protection procedure, and on this basis, analyzes and aggregates several models. Combined with the current situation of financial consumer protection in China, this paper puts forward some suggestions on the construction and improvement of financial consumer protection in our country as a whole, as a whole, as a whole and as a whole. This paper is divided into the following four parts: The first part mainly puts forward how to define "financial consumer" accurately, and combs our country from the beginning of founding to the reform and opening up to the modernization of today. The historical development process of the legal protection system for financial consumers in China is helpful for us to sum up the general direction that should be followed in the protection and development of financial consumers in our country. The second part puts forward the main problems existing in the financial consumer procedure relief mechanism in our country at present. Aiming at the defects and defects of the procedure design in the alternative dispute resolution mechanism and the litigation procedure mechanism. Make a specific clarification. To solve the problem is conducive to solve the problem. The third part, combined with the United States, the United Kingdom, Japan, Germany and other specific program design, summarized, summed up several specific dispute resolution models. Through understanding the situation abroad. Combining with the specific conditions of our country, we take the essence and discard the dregs and provide inspiration and advice for our country to construct and perfect the procedural mechanism of local financial consumer protection. In the 4th part, on the basis of the previous comparative study, and then in view of many problems in the mechanism of financial consumer protection procedures in China, respectively, the relevant suggestions are given, and proceed from the current situation of our country. The aim and assumption of consummating consumer protection system at present and in the final stage are put forward.
【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】：2014
【分類號(hào)】：D925.1;D922.28;D923.8

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