论互联网金融消费者权益保护

On Internet Financial Consumer Rights and Interests Protection

随着我国社会主义市场经济不断发展,我国互联网金融异军突起,以余额宝(Yu'e Bao)、增值宝(Zengzhy Bao)、微信宝(Wechat Bao)等为代表的互联网金融产品及模式正在悄然改变着人们的金融消费习惯。但是我国互联网金融消费者保护体系明显欠缺,主要表现在立法保护欠缺、机构机制不统一、纠纷解决机制不通畅、公平服务不到位、征信体系不健全等。本文从互联网金融相关概念、互联网金融发展现状入手,就如何完善互联网金融消费者权益保护进行了论述。

With continuous development of socialist market economy in China, the internet financial industry suddenly arises. Yu＇e Bao, Zengzhy Ban and Wechat Bao, representative of internet financial products, start to quietly change the people＇s financial consumption habits. However, China still urgently needs a sound Internet financial consumer protection system. Current system is lack of legislative protection, unified management institution, and efficient dispute handling process. In addition, the fair service does not meet the expectation and the credit rating system is incomplete. This paper discusses how to improve the rights and interests protection of Internet financial consumers, from the perspective of internet financial product concept and status of the intemet financial industry.