农村金融消费者法律保护研究

Research on Legal Protection of Rural Financial Consumers

金融扶贫是提升贫困群体生存发展能力,实现“精准扶贫”与“精准脱贫”战略并轨的有效途径,然而现阶段金融法律缺乏金融扶贫语境公平价值的考虑,未体现贫困群体生存和发展能力的赋权,致使金融扶贫因政策依赖陷入公益性认识误区,阻碍金融体系的包容性转型。本文以习近平扶贫工作重要论述为基础,阐释农村金融消费者法律保护的扶贫理论内涵,总结现有法律制度在财产安全和救济等方面存在的不足,从法律理念和规则两个角度提出完善建议。

Financial poverty alleviation is an effective way to improve the survival and development ability of the poor and realize the integration of the precise poverty alleviation and precision poverty alleviationstrategies.However,the current financial law lacks consideration of the fair value of the financial poverty alleviation context and does not reflect the survival and development capabilities of the poor Empowerment has caused financial poverty alleviation to fall into a misunderstanding of public welfare due to policy dependence,and hinder the inclusive transformation of the financial system.Based on Xi Jinping’s important work on poverty alleviation,this paper explains the theoretical connotation of poverty alleviation in the legal protection of rural financial consumers,summarizes the shortcomings of the existing legal system in property safety and relief,and proposes improvements from the perspective of legal concepts and rules.