【摘要】：日益增多的銀行理財糾紛案件,凸顯理財市場中消費者知情權(quán)常常受到侵犯,主要表現(xiàn)為宣傳誤導(dǎo)、說明不到位、客戶風(fēng)險評估走過場以及未進行后續(xù)信息披露。消費者與銀行的交易地位不平等以及"經(jīng)濟人"的逐利性是其主要原因,立法缺失、監(jiān)管不到位、司法保護不周也是其重要因素。借鑒發(fā)達國家規(guī)制銀行理財市場的成功經(jīng)驗,應(yīng)當(dāng)從改變監(jiān)管理念、變革監(jiān)管模式、加強制度建設(shè)、完善糾紛解決機制等方面加強銀行理財消費者知情權(quán)的法律保護。
[Abstract]:The increasing number of bank financial disputes highlights that the consumer's right to know is often violated in the financial management market, mainly for misleading propaganda, inadequate explanation, customer risk assessment and failure to disclose subsequent information. The main reasons are the unequal trading status between consumers and banks and the profit driven by "economic man". The lack of legislation, inadequate supervision and inadequate judicial protection are also important factors. To learn from the successful experiences of the developed countries in regulating the banking financial management market, we should strengthen the legal protection of the right to know of the consumers of banking financial management from the aspects of changing the supervision idea, changing the supervision mode, strengthening the system construction, perfecting the dispute resolution mechanism, etc.
【作者單位】： 重慶大學(xué)法學(xué)院;中國人民銀行迪慶州中心支行;
【基金】：國家社會科學(xué)基金重點項目“新時期金融法變革中的消費者保護研究”(12AFX012) 重慶大學(xué)中央高�；究蒲袠I(yè)務(wù)費科研專項重大項目(CQDXWL-2012-Z007)的資助
【分類號】：F832.2
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本文編號：2298897