我国农村金融消费者权益法律保护工作中存在的问题及对策研究

Research on the Problems and Countermeasures for the Legal Protection of the Rights and Interests of China's Rural Financial Consumers

随着我国农村经济体制改革和普惠金融的持续推进,农村金融体系在我国金融体系中已经占据了举足轻重的位置,对农村金融消费者权益的法律保护也逐渐成为社会各界的热点话题,与城市金融消费者权益保护工作相比,对农村金融消费者的权益保护仍然较为薄弱,也是亟需解决的问题,它不仅关乎农村居民的个人经济利益,也会影响我国金融行业整体的健康发展。笔者对农村金融消费者权益保护法律法规、制度机制、监管方式和宣传教育四个方向进行研究,分析目前我国农村金融消费者权益法律保护工作中存在的问题,并提出具体的对策。

As China's rural economic system reform and inclusive fi nance are continuously advanced,the rural fi nancial system has occupied a crucial position in China's fi nancial system.A hot topic for all walks of life is also refl ected in the legal protection of the rights and interests of rural fi nancial consumers.In contrast with the protection of urban fi nancial consumers'rights and interests,it is still relatively weak in terms of the protection of rural fi nancial consumers'rights and interests,which is also the problem that needs to be solved urgently.This also aff ects the overall healthy development of China's fi nancial industry in addition to connecting with the personal economic interests of rural residents.In this thesis,the laws and regulations,institutional mechanisms,supervision methods,as well as publicity and education for the protection of rural fi nancial consumers'rights and interests were studied,and the problems existing in the legal protection of rural fi nancial consumers'rights and interests in China at the current stage were analyzed.Based on this,the concrete countermeasures and suggestions were proposed.