本文選題：金融消費(fèi)者保護(hù) + 金融包容　； 參考：《對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)》2014年博士論文

【摘要】：深入推動(dòng)金融包容發(fā)展使現(xiàn)代金融服務(wù)惠及廣大人民群眾和經(jīng)濟(jì)社會(huì)發(fā)展薄弱環(huán)節(jié)，對(duì)于推進(jìn)農(nóng)村金融發(fā)展，縮小城鄉(xiāng)發(fā)展差距，促進(jìn)社會(huì)的公平正義，具有重要的現(xiàn)實(shí)意義。發(fā)展金融包容離不開(kāi)對(duì)金融消費(fèi)者的良好保護(hù)。沒(méi)有充分的金融消費(fèi)者保護(hù)，金融包容將失去發(fā)展優(yōu)勢(shì)。從理論上研究金融包容與金融消費(fèi)者保護(hù)之間的關(guān)系，有助于豐富和發(fā)展金融包容與金融消費(fèi)者保護(hù)理論。同時(shí)，在我國(guó)金融包容體系構(gòu)建剛剛起步的背景下，從金融消費(fèi)者保護(hù)視角對(duì)中國(guó)惠普金融體系構(gòu)建問(wèn)題進(jìn)行理論研究與實(shí)證探討，在當(dāng)前是一個(gè)迫切需要研究的熱點(diǎn)問(wèn)題。 本文在綜合分析金融包容和金融消費(fèi)者保護(hù)理論的基礎(chǔ)上，創(chuàng)新地運(yùn)用基于計(jì)量方法、媒體報(bào)道和調(diào)查問(wèn)卷統(tǒng)計(jì)分析、案例研究的方法，從理論研究與量化分析兩方面系統(tǒng)、深入地研究中國(guó)金融包容體系下金融消費(fèi)者保護(hù)的構(gòu)建問(wèn)題。主要的研究?jī)?nèi)容、成果和創(chuàng)新性工作如下： 1、金融消費(fèi)者保護(hù)與金融包容關(guān)系的理論研究。從分析金融包容的微觀、中觀、宏觀框架入手，，重點(diǎn)解決了金融包容體系下金融供需雙方的特點(diǎn)，結(jié)合金融消費(fèi)者保護(hù)必要性的理論研究，闡述了加強(qiáng)金融消費(fèi)者保護(hù)對(duì)發(fā)展金融包容的重要性。創(chuàng)新地提出包容不足與包容過(guò)度（虛假包容）的思想，構(gòu)建了金融消費(fèi)者保護(hù)影響金融包容的傳導(dǎo)路徑，提出金融消費(fèi)者保護(hù)與金融包容程度存在非線性的淺“U”型關(guān)系的理論假設(shè)。 2、金融消費(fèi)者保護(hù)影響金融包容路徑的實(shí)證分析。金融消費(fèi)保護(hù)作用于金融包容的路徑研究，是研究的難點(diǎn)之一。本文在理論分析的基礎(chǔ)上，基于跨國(guó)數(shù)據(jù)建立截面數(shù)據(jù)進(jìn)行實(shí)證測(cè)算，驗(yàn)證了金融消費(fèi)者保護(hù)與金融包容程度存在非線性的淺“U”型關(guān)系。 3、通過(guò)統(tǒng)計(jì)分析測(cè)算我國(guó)金融消費(fèi)者保護(hù)權(quán)益受損現(xiàn)狀，提出加強(qiáng)金融消費(fèi)者保護(hù)對(duì)構(gòu)建我國(guó)金融包容發(fā)展的重要意義。通過(guò)媒體報(bào)道的統(tǒng)計(jì)分析顯示，我國(guó)存在金融消費(fèi)者保護(hù)權(quán)益受損的情況，且總體呈現(xiàn)增長(zhǎng)趨勢(shì)，說(shuō)明現(xiàn)有消費(fèi)者權(quán)益保護(hù)機(jī)制并不能滿(mǎn)足金融需求快速增長(zhǎng)和金融包容發(fā)展的需要。盡管我國(guó)已經(jīng)開(kāi)始建立金融消費(fèi)者保護(hù)機(jī)制，但尚未意識(shí)到應(yīng)將金融消費(fèi)者保護(hù)納入到金融包容體系建設(shè)中，金融消費(fèi)者保護(hù)還面臨法律制度體系不完善、監(jiān)管體制尚不健全、金融機(jī)構(gòu)主動(dòng)不強(qiáng)、消費(fèi)者金融素養(yǎng)整體水平偏低等諸多問(wèn)題。我國(guó)金融消費(fèi)者保護(hù)的不足制約了金融包容的發(fā)展，由此形成了有中國(guó)特色的金融包容二元特征：城市包容過(guò)度與農(nóng)村包容不足并存。 4、基于理論研究和實(shí)證測(cè)算，提出相關(guān)的建議。在借鑒國(guó)際先進(jìn)經(jīng)驗(yàn)的基礎(chǔ)上，提出完善我國(guó)金融消費(fèi)者保護(hù)機(jī)制的政策建議，即在注意防止過(guò)度保護(hù)造成新的金融排斥的情況下，注重完善法律制度框架、完善金融消費(fèi)者保護(hù)機(jī)構(gòu)的具體職責(zé)、建立監(jiān)管部門(mén)間的協(xié)調(diào)合作機(jī)制、健全和完善金融消費(fèi)糾紛處理機(jī)制、加強(qiáng)金融機(jī)構(gòu)消費(fèi)者保護(hù)理念、加強(qiáng)公眾金融知識(shí)普及教育以及金融消費(fèi)權(quán)益保護(hù)隊(duì)伍建設(shè)。
[Abstract]:It is of great practical significance to promote financial inclusion and development and make modern financial services benefit the people and economic and social development. It is of great practical significance to promote the development of rural finance, reduce the gap between urban and rural development and promote the fairness and justice of the society. It is helpful to enrich and develop the theory of financial inclusion and financial consumer protection from the theoretical study of the relationship between financial inclusion and financial consumer protection. At the same time, in the context of the construction of the financial containment system in China, from the perspective of the financial consumer protection, China has a perspective of the financial consumer protection. The theoretical research and Empirical Study of HP's financial system construction is a hot issue that needs to be studied urgently.
On the basis of the comprehensive analysis of the theory of financial inclusion and financial consumer protection, this paper creatively uses the measurement method, the statistical analysis of media coverage and the questionnaire, the method of case study, from two aspects of theoretical research and quantitative analysis, and deeply study the construction of the financial consumer protection under the Chinese financial containment system. The main research contents, achievements and innovative works are as follows:
1, the theoretical research on the relationship between financial consumer protection and financial containment. From the analysis of the micro, meso and macro framework of financial containment, the characteristics of the financial supply and demand parties under the financial containment system are emphatically solved. The importance of financial consumer protection to the development of financial containment is expounded in combination with the theoretical research on the necessity of financial consumer protection. It puts forward the thought of the lack of tolerance and the excessive inclusion (false inclusion), constructs the transmission path of financial consumer protection, and puts forward the theoretical hypothesis of the shallow "U" relationship between the financial consumer protection and the financial containment degree.
2, an empirical analysis of the impact of financial consumer protection on the path of financial containment. It is one of the difficulties to study the path of financial consumption protection on financial containment. Based on the theoretical analysis, this paper makes an empirical calculation based on cross sectional data to verify that the financial consumer protection and the degree of financial inclusion are nonlinear. The shallow "U" relationship.
3, through statistical analysis and calculation of the current status of the protection of the rights and interests of the financial consumers in China, the importance of strengthening the protection of financial consumers to the development of financial containment in China is put forward. Through the statistical analysis of media reports, the situation of the damage of the protection rights and interests of the financial consumers in our country is shown, and the overall trend of growth is presented, indicating the existing consumers. The protection mechanism of rights and interests can not meet the needs of the rapid growth of financial demand and the development of financial containment. Although China has begun to establish a financial consumer protection mechanism, it has not yet realized that the protection of financial consumers should be incorporated into the construction of the financial containment system. The protection of financial consumers is still facing the imperfect legal system and the regulatory system. There are many problems that are not yet sound, financial institutions are not active, and the overall level of consumer financial literacy is low. The lack of financial consumer protection in our country restricts the development of financial inclusion, thus forming two yuan characteristics of financial containment with Chinese characteristics: the coexistence of urban tolerance and rural tolerance.
4, based on theoretical research and empirical calculation, put forward relevant suggestions. On the basis of the advanced international experience, we put forward the policy suggestions to improve our financial consumer protection mechanism, that is to pay attention to the improvement of the legal system framework and improve the specific financial consumer protection institutions in the case of preventing the excessive protection from the new financial exclusion. Responsibilities, establish coordination and cooperation mechanism between regulatory departments, improve and improve the handling mechanism of financial consumption disputes, strengthen the concept of consumer protection in financial institutions, strengthen the popularization education of public financial knowledge and the construction of the protection team of financial consumption rights and interests.
【學(xué)位授予單位】：對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：D923.8;F832

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