“互联网+”下金融消费者权益保护的实证研究——以P2P为例

Empirical Legal Studies of the Protection of Internet Financial Consumer Rights——Using Peer-to-Peer as an Example

金融消费者享有财产安全权、信息安全权、知情权、依法求偿权等权利。在互联网与金融不断融合之背景下,金融消费者上述权利之保护却面临了诸多困境。本文对P2P平台运行相关情况进行了实证研究发现,其在资金监管、信息保护与披露、法律依据等方面都存在不足。基于实证研究和已有文献,笔者提出建立健全第三方资金托管制度、金融顾问制度、多元纠纷解决机制和完善金融消费者领域立法、信息安全保护立法的建议。

Financial consumers have the rights to the security of property and information,the right to know ,the right to claim,and so on.With the integration between internet and finance,however,the protection of financial consumer rights has met great difficulties.Through empirical legal studies,it is found that there exist shortages of funds oversight,information protection and disclosure, legal basis. It＇s necessary for us to establish and improve the third party custody of funds rule, the financial consultant rule, the diverse dispute resolution mechanism,and to enhance the legislation about financial consumer and information protection based on the empirical legal studies and available literatures.