互联网金融消费者权益保障制度探析

On the Protection System of Internet Financial Consumers' Rights and Interests

顺应人民日益增长的美好生活需要,互联网金融领域必须实现制度创新,切实保障金融消费者合法权益。目前我国对互联网金融消费者的权益保障,主要以政策规制为主,并辅之以行政执法。金融消费者权益保障的主要法律依据是合同法、消费者权益保障法中有关格式条款与经营者义务的规定。现行政策与法律的制度安排,不能满足金融消费者权益保护的需要。立法方面需填补互联网金融法律规制空白问题,监管方面要处理好监管和创新关系问题,执法方面需强化金融服务者法定义务,司法方面要合理解决互联网金融刑事犯罪与民事纠纷处理问题。

In line with the people＇s growing need for a better life, the Internet financial field must realize institutional innovation and ensure the legitimate rights and interests of financial consumers. At present, the protection of the rights and interests of Internet financial consumers is mainly based on policy regulation,supplemented by administrative law enforcement. The main legal basis for the protection of financial consumers＇ rights and interests is the contract law. The current policy and legal system cannot meet the needs of the protection of financial consumers＇ rights and interests. In the aspect of legislation, we should fill the gap in the legal regulation of Internet finance, deal well with the relationship between supervision and innovation in the aspect of supervision,and strengthen the legal obligations of financial service providers in enforcing the law. The judicial aspect should reasonably solve the Internet financial criminal crime and the civil dispute-processing questions.