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现金贷消费者保护的范式转换及制度构建 被引量:5
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作者 张艳 《法学》 CSSCI 北大核心 2019年第6期154-167,共14页
现金贷是面向低收入中青年长尾人群的短期高息小额贷款。以信息义务和消费者教育为主要内容的赋权模式已难满足现金贷消费者的受保护需求是当下我国现金贷消费者保护模式由赋权模式向法律父爱主义模式转换的主因。受保护需求一为矫正认... 现金贷是面向低收入中青年长尾人群的短期高息小额贷款。以信息义务和消费者教育为主要内容的赋权模式已难满足现金贷消费者的受保护需求是当下我国现金贷消费者保护模式由赋权模式向法律父爱主义模式转换的主因。受保护需求一为矫正认知偏差、限制不负责任的借款行为,二为规范贷款人不负责任的贷款行为,其保护逻辑为在负责任贷款和负责任借款理念的指导下,在监管法与消费者私法的互补中,在短期内通过父爱主义手段,在中长期通过行为义务和现金贷产品供给侧改革为消费者提供实质平等的缔约条件。在此保护范式转换之背景下,应通过结果规制、行为规制、产品规制和私法规制构建起规范的现金贷消费者保护体系。 展开更多
关键词 现金贷消费者 保护逻辑 负责任贷款 负责任借款 消费者私法
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Private Sector Ombudsman and Strengthening Consumers' Access to Justice: The Experience From Yogyakarta
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作者 Johanes Widijantoro 《Sociology Study》 2012年第8期569-590,共22页
After the monetary and political crisis of 1997 and 1998, Indonesia has been viewed by some observers as having entered into a transitional phase from authoritarian rule by a strong state toward a new democratic syste... After the monetary and political crisis of 1997 and 1998, Indonesia has been viewed by some observers as having entered into a transitional phase from authoritarian rule by a strong state toward a new democratic system of government in which civil societies will play a more prominent role. Democratization process is also accompanied by the rise of a strong civil society, which would together result in more efficient and transparent governments at local levels. This article aims to show the dynamic of democratization process in Indonesia, in which civil societies such as business actors, NGOs (non-government organizations), journalists, scientists, business associations, consumer organizations, etc., play a more apparent role. Focused on the establishment of Private Sector Ombudsman (Lembaga Ombudsman Swasta--LOS) and also its role and responsibility, the author examines how LOS has become an alternative option for consumers to strengthen access to justice. In the last three years, LOS has succeeded in handling more than 200 cases and some of them have been the hottest issues. On the one hand, the emergence of LOS shows that civil society in Yogyakarta has played a significant role in implementing business ethics and good governance principles, and on the other hand, LOS has been proven to be the answer for consumers' needs in which consumers' complaints settled quickly, informal, and free of charge. 展开更多
关键词 Private Sector Ombudsman (Lembaga Ombudsman Swasta--LOS) consumer protection access to justice
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