构建我国金融消费者权益保护框架研究

Study on Building the Framework of Financial Consumer Rights Protection in China

金融业的迅速发展促进了金融理财产品的不断推陈出新,而人们可支配收入的提高,则使金融产品的消费演变为大众消费。然而,金融市场信息不对称以及消费者对各种信息的辨析能力不高,容易导致金融消费者权益受到侵害,扰乱金融市场秩序。切实有效地保护金融消费者合法权益已经成为一个不可回避的热点问题。

Rapid development of financial industry facilitates the innovation of financial products,and the growth of disposable personal income changes the consumption on financial products into mass consumption. Financial consumer＇ s rights are likely to be violated, because of information asymmetry in the financial market and financial consumer＇ s hardness about using information, which would cause public opinions and disrupt the order of financial market.It has be an inevitable hot issue that the legal rights of financial consumer are protected effectively.