自然灾害背景下农村金融消费者权益保护问题探讨

Considerations on the Problems for Rural Financial Consumer Rights Protection under the Background of Natural Disasters

目前,农村金融消费者权益保护工作力量薄弱,自然灾害对农村金融消费者影响较大;同时,金融产品设计对农村金融消费者权益保护考虑不足。为保护农村金融消费者权益,并最大限度地规避自然灾害给农户带来的经济损失,应循序渐进、阶段性地推动金融消费立法,完善农村金融服务体系,构建农村金融消费者自然灾害权益保护机制,开展针对农村金融消费者的常态化宣传教育活动。

At present,there is weak force in rural financial consumer rights protection; natural disasters have a greater impact on the rural financial consumers; at the same time,no enough consideration is made for the rural financial consumer rights and interests protection when designing financial products. In order to protect rural financial consumer rights interests and minimize economic losses of farmers caused by natural disasters,it＇s necessary to make gradual,phased financial consumer legislation,form a perfect rural financial service system,construct mechanisms for protection of the rights interests of financial consumers in response to natural disasters in rural areas,and conduct publicity and education activities for rural financial consumers in a normalized manner.