本文選題：民間金融　切入點：正規(guī)金融　出處：《吉林財經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著科技的進步，從上世紀(jì)70年代開始，世界范圍內(nèi)金融創(chuàng)新力度不斷增強，金融產(chǎn)品和金融服務(wù)層出不窮，金融消費者的群體也不斷擴大，然而在金融業(yè)務(wù)快速發(fā)展的同時，各國對金融消費者的保護卻都明顯不足，2007年金融危機使得這一缺點充分暴露出來，危機后，各國通過一系列法案和措施加大了對金融消費者權(quán)益的保護力度，對金融消費者的保護邁出了堅實的一步，但是，各國的保護措施多集中在正規(guī)金融領(lǐng)域，對于民間金融消費者權(quán)益保護的研究及實踐卻是空白的，近些年來，在我國，因民間金融而引發(fā)的諸如溫州、鄂爾多斯事件，在拷問我國金融體系的同時，對于其中數(shù)量眾多的參與者我們也不應(yīng)該忽視，我國民間金融參與者有著廣泛的城鄉(xiāng)基礎(chǔ)，他們中多數(shù)人金融專業(yè)知識薄弱，一旦參與的金融活動出現(xiàn)問題，權(quán)益難以保障，本文旨在通過對民間金融及其消費者相關(guān)問題進行分析，希望找到解決民間金融消費者權(quán)益保護問題的解決方法。 全文主要由緒論、正文和結(jié)論三大部分組成，緒論部分說明了本文的研究背景和意義、研究目的和內(nèi)容及研究方法和創(chuàng)新之處。正文部分分四章對民間金融消費者權(quán)益保護問題進行了探討，第一章論述了民間金融及消費者權(quán)益保護理論，分析了國內(nèi)外對民間金融和金融消費者的研究現(xiàn)狀；第二章從我國民間金融消費者權(quán)益保護的現(xiàn)狀及問題入手，分析了我國民間金融和民間金融消費者的特征及目前對于民間金融消費者權(quán)益保護方面存在的問題；第三章研究了世界上其他國家和地區(qū)的金融消費者實踐和經(jīng)驗，并希望通過分析找到我國的民間金融消費者權(quán)益保護措施；第四章從借鑒其他國家和地區(qū)的金融消費者權(quán)益保護實踐和經(jīng)驗、教訓(xùn)入手，從八個方面提出了我國民間金融消費者權(quán)益保護的措施。第三部分為結(jié)論，，本文認(rèn)為，目前而言對民間金融消費者權(quán)益保護是正當(dāng)其時的，對于民間金融消費者權(quán)益的保護，既要從國家政策等宏觀角度出發(fā)，又要從民間金融普通參與者著手，多策并舉，多管齊下，在理論研究的基礎(chǔ)上，不斷依靠實踐來檢驗與豐富，從而促進我國金融體系的進一步穩(wěn)定，也希望文中的保護措施能為我國民間金融的研究有幫助。
[Abstract]:With the progress of science and technology, since -30s, the strength of financial innovation in the world has been continuously strengthened, financial products and financial services have been emerging in endlessly, and the group of financial consumers has been expanding. However, while the financial business is developing rapidly, In 2007, the financial crisis made this defect fully exposed. After the crisis, countries adopted a series of laws and measures to strengthen the protection of the rights and interests of financial consumers. The protection of financial consumers has taken a solid step forward. However, most of the protection measures in various countries are concentrated in the formal financial field, but the research and practice on the protection of the rights and interests of private financial consumers are blank. In recent years, in our country, Such as Wenzhou and Ordos incidents caused by private finance, while torturing our financial system, we should not ignore the large number of participants among them. Our folk financial participants have a broad urban and rural base. Most of them have weak financial professional knowledge, once the financial activities involved in the problems, rights and interests are difficult to protect, this paper aims to analyze the private finance and its consumer related problems. Hope to find a solution to the problem of private financial consumer rights and interests protection. The thesis is composed of three parts: introduction, text and conclusion. The introduction explains the background and significance of this paper. The main body is divided into four chapters to discuss the protection of private financial consumer's rights and interests. The first chapter discusses the theory of folk finance and consumer's rights and interests protection. The second chapter begins with the current situation and problems of the protection of the rights and interests of the private financial consumers in China. This paper analyzes the characteristics of private finance and private financial consumers in China and the problems existing in the protection of the rights and interests of private financial consumers. Chapter three studies the practices and experiences of financial consumers in other countries and regions in the world. It also hopes to find out the measures of protecting the rights and interests of the private financial consumers in our country through the analysis. Chapter 4th begins with the experience and experience of other countries and regions in the protection of the rights and interests of financial consumers. The third part is the conclusion that it is the right time to protect the rights and interests of the private financial consumers, and the protection of the private financial consumers' rights and interests. We should not only proceed from the macro point of view, such as national policies, but also from the ordinary participants in private finance, and carry out both various measures and a multi-pronged approach. On the basis of theoretical research, we should constantly rely on practice to test and enrich. In order to promote the further stability of China's financial system, it is hoped that the protection measures in this paper will be helpful to the study of private finance in China.
【學(xué)位授予單位】：吉林財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.5

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