本文選題：金融消費(fèi)者 + 個(gè)人理財(cái)業(yè)務(wù)��； 參考：《西南財(cái)經(jīng)大學(xué)》2012年碩士論文

【摘要】：金融危機(jī)后,加強(qiáng)對(duì)理財(cái)市場(chǎng)的監(jiān)管,保護(hù)理財(cái)消費(fèi)者的合法權(quán)益是各國完善金融監(jiān)管體系的重要內(nèi)容之一。我國目前有關(guān)于商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)領(lǐng)域金融消費(fèi)者合法權(quán)益保護(hù)的學(xué)術(shù)研究寥寥可數(shù)。在立法實(shí)踐中,也沒有關(guān)于此問題的具體規(guī)定,只是零散的對(duì)金融機(jī)構(gòu)的信息披露義務(wù)、虛假陳述的責(zé)任做了規(guī)定,缺乏在個(gè)人理財(cái)領(lǐng)域?qū)鹑谙M(fèi)者保護(hù)的統(tǒng)一規(guī)范。制度規(guī)定層面的缺失常常將理財(cái)消費(fèi)者置于權(quán)益受損卻無法得到救濟(jì)的尷尬境地。因此,本文的目的在于對(duì)此問題進(jìn)行較為全面深入的探討,在分析發(fā)達(dá)國家理財(cái)市場(chǎng)監(jiān)管制度經(jīng)驗(yàn)的基礎(chǔ)上,結(jié)合我國存在的不足,為構(gòu)建我國的個(gè)人理財(cái)業(yè)務(wù)領(lǐng)域金融消費(fèi)者權(quán)利保護(hù)法律體系提出有用的建議。 金融消費(fèi)者是指接受金融機(jī)構(gòu)提供的金融服務(wù)或購買金融機(jī)構(gòu)金融商品的自然人和法人。但不包括專業(yè)投資機(jī)構(gòu)和達(dá)到一定投資規(guī)模,或具有專業(yè)投資能力的自然人、非法人團(tuán)體以及法人。這一定義的特點(diǎn)在于：首先,不以“消費(fèi)目的”為依據(jù)來判斷金融消費(fèi)者的地位。其次、承認(rèn)企業(yè)以及其他社會(huì)組織的金融消費(fèi)者地位,將法人納入保護(hù)的范疇。 在對(duì)整個(gè)理財(cái)市場(chǎng)進(jìn)行規(guī)范的實(shí)踐中,應(yīng)遵循最基本的信托原則,從信托法律關(guān)系的角度入手來制定相關(guān)規(guī)則,這樣不僅有利于明確消費(fèi)者與金融機(jī)構(gòu)之間的具體權(quán)利義務(wù),也有助于我國理財(cái)市場(chǎng)監(jiān)管體系的完善：首先,對(duì)于信托法律關(guān)系有更為嚴(yán)格的規(guī)范標(biāo)準(zhǔn),明確個(gè)人理財(cái)業(yè)務(wù)的基礎(chǔ)法律關(guān)系為信托關(guān)系,可以適用信托法的相關(guān)規(guī)定。其次,我們可以據(jù)此在立法中對(duì)金融機(jī)構(gòu)規(guī)定更為嚴(yán)格的義務(wù),以此來分配金融消費(fèi)者與金融機(jī)構(gòu)在商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)市場(chǎng)的權(quán)利義務(wù),平衡兩者之間的實(shí)力對(duì)比,對(duì)金融消費(fèi)者進(jìn)行更好的保護(hù)。 針對(duì)我國商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)領(lǐng)域存在的金融消費(fèi)者保護(hù)乏力、分業(yè)監(jiān)管模式弊端顯現(xiàn)的具體情況,本文從立法、行政監(jiān)管、權(quán)利救濟(jì)途徑三方面提出建議,希望能構(gòu)建起較為完善的個(gè)人理財(cái)業(yè)務(wù)領(lǐng)域金融消費(fèi)者權(quán)益保護(hù)機(jī)制。具體來說,在金融活動(dòng)領(lǐng)域明確“金融消費(fèi)者權(quán)益保護(hù)”這一基本行為原則,在金融理財(cái)業(yè)務(wù)中,乃至整個(gè)金融活動(dòng)領(lǐng)域,不管是進(jìn)行立法活動(dòng)還是具體的行政監(jiān)管,都應(yīng)將保護(hù)金融消費(fèi)者的權(quán)利作為其基本指導(dǎo)原則；專門制定一部針對(duì)金融消費(fèi)者權(quán)益保護(hù)的法律,廣泛聽取社會(huì)各方的利益呼聲,能最大范圍的保護(hù)金融消費(fèi)者權(quán)利；在該法律中承認(rèn)金融消費(fèi)者的地位、對(duì)其享有的具體權(quán)利做出規(guī)定,成立專門的金融消費(fèi)者權(quán)益保護(hù)機(jī)構(gòu)；確定法律后果機(jī)制,法律可以這樣規(guī)定,金融機(jī)構(gòu)違反法律規(guī)定侵犯金融消費(fèi)者的財(cái)產(chǎn)安全權(quán)、知情權(quán)、選擇權(quán)以及金融消費(fèi)者個(gè)人信息和隱私權(quán)的,應(yīng)承擔(dān)損害賠償責(zé)任。賠償范圍包括金融消費(fèi)者遭受的實(shí)際財(cái)產(chǎn)損失,訴訟費(fèi)、律師費(fèi)、誤工費(fèi)、餐飲費(fèi)等其他因?qū)で缶葷?jì)而產(chǎn)生費(fèi)用;在專門的立法還未出臺(tái)之時(shí),在實(shí)踐操作中可以采取“分工合作、牽頭領(lǐng)導(dǎo)”的監(jiān)管模式作為過渡時(shí)期的監(jiān)管方案。以信托關(guān)系為基礎(chǔ)完善金融監(jiān)管體系,具體銀行開辦理財(cái)業(yè)務(wù)的條件要求以及理財(cái)業(yè)務(wù)從業(yè)人員的任職要求,明確商業(yè)銀行在理財(cái)關(guān)系中的謹(jǐn)慎管理義務(wù)與信息披露義務(wù)；建立多層次的權(quán)利救濟(jì)渠道,使金融糾紛能得到高效的解決。
[Abstract]:After the financial crisis, to strengthen financial market supervision, financial protection of the legitimate rights and interests of consumers is one of the important contents of all countries to improve the system of financial supervision. China currently has a research on the field of personal financial services of commercial bank financial consumer protection of the legitimate rights and interests can be counted. In the legislative practice, there is no specific provisions on this issue that is scattered on the disclosure obligations of financial institutions, liability of misrepresentation made provisions, the lack of unified standard of financial consumer protection in the field of personal finance. The level of institution lack of financial consumers often cannot get relief in damage to the interests of the embarrassing situation. Therefore, the purpose of this paper is more comprehensive and in-depth discussion is this problem, based on the analysis of financial market supervision system on the experience of developed countries, combined with the existing problems in our country, for the construction of The legal system for the protection of the rights of consumers in the field of personal financial services is proposed in China.
Financial consumer refers to financial institutions to provide financial services to buy financial products or natural person and legal person financial institutions. But does not include professional investment institutions and investment reached a certain scale, or have a professional investment capacity of natural person, legal person and non legal entity. The features of this definition: first of all, don't judge the financial the status of the consumer to consumer ". Secondly, the recognition of corporate and other social organizations, the financial status of consumers, the legal person into the protection category.
In the practice of the whole financial market, should follow the basic principle of trust, to formulate relevant rules from the perspective of the legal relationship of trust, so that not only between consumers and financial institutions to clear the specific rights and obligations, but also contribute to perfecting financial market supervision system: first of all, for the trust legal relationships are more strict standards, clear personal financial services of the basic legal relationship of the trust relationship, relevant provisions of the applicable law. Secondly, we can be in the legislation of financial institutions regulations more stringent obligations, in order to assign the rights and obligations of financial consumers and financial institutions in the market of personal financial services of commercial banks the comparative balance of power between the two, for better protection of financial consumers.
According to the financial consumer protection weak personal financial business of commercial banks in China in the field of the specific circumstances of financial supervision mode shortcomings, this article from the legislative, administrative supervision and rights relief proposed three ways, hoping to build a more perfect personal financial services financial consumer protection mechanism. Specifically, clear financial consumers the protection of rights and interests in the financial activities in the field of the basic principles of conduct, in the financial business, and the whole financial activities, whether legislative activities or specific administrative supervision should be the protection of financial consumer rights as its basic guiding principle; a specially formulated for financial consumer rights protection law, widely listen to the voice of social interests, to the largest extent of protection of the rights of financial consumers; in the law that financial consumers Fee status, the provisions of the specific rights of the rights, the establishment of institutions specialized financial consumer protection; determine the legal consequences of the legal system, can such regulations, financial institutions in violation of the law violations of financial consumer and property safety, the right to know, right to choose and the financial consumers' personal information and privacy, shall be liable for damages the liability for compensation. The scope of compensation includes financial consumers suffered actual loss of property, legal fees, legal fees, lost income, expenses and other food due to seek relief and expenses; in the special legislation has not been issued, in practice can take the "division of labor, led leadership" mode of regulation as a regulatory scheme during the transition period the trust relationship. To improve the system of financial supervision, specific conditions require bank financial services and financial services practitioners qualification requirements We should clarify the prudent management obligations and information disclosure obligations of commercial banks in financial relations, establish multi-level channels of right relief, so that financial disputes can be effectively solved.

【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：D922.28;D923;F832.2

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本文編號(hào)：1752521