With the rapid development of financial market, people gradually realize the importance of protecting the rights and interests of financial consumers in a weak position. Especially with the frequent occurrence of regional or global financial crises, countries all over the world generally agree that strengthening the protection of financial consumers' rights and interests is the top priority of financial reform.
In China, with the rapid development of socialist market economy, the deepening of marketization, the continuous expansion of market consumption space and the continuous improvement of consumption level, it is not uncommon for producers and operators to infringe on consumers' rights and interests in the process of market competition in pursuit of maximizing interests, and the protection of consumers' rights and interests has become a major issue in economic and social development. In the field of financial market, due to the asymmetry of power and information between financial consumers and financial operators, the phenomenon of infringing on the legitimate rights and interests of financial consumers who are obviously in a weak position is increasing. However, due to many deficiencies in the protection of financial consumers' rights and interests in China, such as the imperfect legal system and judicial system, financial disputes cannot be resolved in time and effectively. As a result, the enthusiasm of consumers and the sound development of the financial industry have been greatly affected. This paper focuses on the protection of financial consumers' rights and interests, and discusses it from seven chapters except the introduction.
The first chapter is the introduction, which mainly expounds the significance of this topic, literature review, writing ideas, writing methods and main contributions.
The second chapter is an overview of financial consumer rights protection. Starting from the consumer protection movement, this paper reviews the social origin and background of the protection of financial consumers' rights and interests, and points out that it is of great economic and social significance and urgency to protect financial consumers' rights and interests in China, which is not only the inherent requirement of the development of the financial industry, but also an important factor to encourage financial innovation and maintain the healthy development of the financial market. Subsequently, it combs the relevant legislation on the protection of financial consumers' rights and interests in China. And analyze its characteristics: the basic policies of financial consumers are in a legal position, the traditional civil and commercial law is difficult to achieve oblique protection, and the direct provisions of special financial laws are sparse and low-level, which can not effectively protect the rights and interests of financial consumers. Improper sales behaviors of financial operators that infringe consumers' right to know, and induce consumers to make statements that go against their true meaning; Financial operators infringe consumers' fair trade rights and evaluate the current situation of financial consumers' rights protection in China.
The third chapter introduces and evaluates the legislation of foreign countries and organizations on the protection of financial consumers' rights and interests, in order to provide useful reference for the protection of financial consumers' rights and interests in China. This paper introduces the main legislative contents of financial consumer rights protection in the United States, Britain, Japan, Canada and international organizations in turn, and makes comments on them respectively. The main features of these countries and organizations are that their understanding of the protection of financial consumers' rights and interests is gradually deepened, the relevant legal systems are constantly improved, and the obligations of financial operators, including the obligation of explanation, are increased in time.