【摘要】：日益增多的銀行理財(cái)糾紛案件,凸顯理財(cái)市場(chǎng)中消費(fèi)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(xiǎn)評(píng)估走過場(chǎng)以及未進(jìn)行后續(xù)信息披露。消費(fèi)者與銀行的交易地位不平等以及"經(jīng)濟(jì)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(hù)不周也是其重要因素。借鑒發(fā)達(dá)國(guó)家規(guī)制銀行理財(cái)市場(chǎng)的成功經(jīng)驗(yàn),應(yīng)當(dāng)從改變監(jiān)管理念、變革監(jiān)管模式、加強(qiáng)制度建設(shè)、完善糾紛解決機(jī)制等方面加強(qiáng)銀行理財(cái)消費(fèi)者知情權(quán)的法律保護(hù)。
[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(guó)人民銀行迪慶州中心支行;
【基金】：國(guó)家社會(huì)科學(xué)基金重點(diǎn)項(xiàng)目“新時(shí)期金融法變革中的消費(fèi)者保護(hù)研究”(12AFX012) 重慶大學(xué)中央高�；究蒲袠I(yè)務(wù)費(fèi)科研專項(xiàng)重大項(xiàng)目(CQDXWL-2012-Z007)的資助
【分類號(hào)】：F832.2
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本文編號(hào)：2298897