互联网金融领域消费者权益保护探析

The Discussion on the Consumer Rights and Interests Protection in the Field of Internet finance

近年来,互联网对人们生活的影响越来越大,通过或依托互联网和移动通讯技术实现资金融通和支付,将传统金融业与互联网平台相结合的互联网金融模式也越来越被人们所接受。由于互联网金融新兴不久,具备与传统金融不同的特点,国内针对互联网金融监管的法律法规及监管机构并不明晰,从而极易导致用户的合法权益受到侵害。本文阐述了互联网金融存在的风险,探析了互联网金融领域对消费者权益保护措施。

In recent years, the Internet finance has influenced people’s life more and more greatly. The pattern of the Internet fi-nance has been more and more accepted by people which combines the traditional financial industry and the Internet platform by means of the Internet and mobile communication technology to realize financing and payment. Because the Internet finance has e-merged shortly and has the characteristics different from the traditional finance, the laws and regulations and regulatory institutions on the Internet finance in China are not clear, which easily cause that the users’legitimate rights and interests are violated. The paper ex-pounds the risks existing in the Internet finance, and analyzes of the measures on protecting consumers’ rights and interests in the field of the Internet finance.