The Research Of Legal Protection For Chinese Bank Consumers

With Chinese economic and social development and reform of the financial system deepened,many new situations and new problems are emerging, including disputes between banks and consumers aremore prominent. It is possible for consumers in a vulnerable position in the banking services to our currentlegal system and banks' external regulatory agencies and the banking industry self-regulatory organizationhas not yet fully aware of the professional and the monopoly of banking consumer protection for the bankhealth the importance of orderly development. In today's financial economy continues to grow, tostrengthen the legal protection of banking consumers, not only is the premise and foundation of the bankingsector's development, and China's banking industry move towards the inevitable trend of development ofnorms and international.From addition to the introduction, five chapters discusses:The first chapter expounds the concept of the banking interests of consumers, has analyzed andthe connotation and extension of the consumers, banks, consumers and the banking interests of consumers,and cited to explain the bank consumers should enjoy the process of banking transactions legal rights.Chapter II described the basis of the legitimacy of legal protection of banking consumers. Valuessuch as justice, the real fair value management concept, the principle of protection of vulnerable groups,and on the basis of this theory further discussion of the necessity and importance of the banking interests ofconsumers of legal protection.Chapter III described the current situation of the banking interests of consumers legal protection,and damaged by the banking interests of consumers. The current legislative system and banking regulationand self-regulatory mechanism also exists a lot of limitations, leading to the banking interests of consumersagainst frequent, such as the right to security is difficult to guarantee, inadequate protection of the right toknow, this will seriously dampen the bank consumer bank the confidence is not conducive to the bankingsector health development.Chapter IV described the banking interests of consumers of legal protection inspection andExperience. Learn from some of the common system arrangement, such as a sound legal system,specialized banking interests of consumers to maintain institutions and smooth disputes procedure, the key is the maintenance of the banking interests of consumers, but also in China learning to learn from.Chapter V presented the proposal improve China's banking interests of consumers of legalprotection mechanisms. China banking interests of consumers requires a multidimensional approach toimpose protection: improve the existing legal system, the establishment of specialized banking consumerrights institutions, emphasis on bank consumers' right to build a smooth dispute processing platform, theestablishment of a sound banking industry self-regulatory mechanism and provide humane protection ofvulnerable groups of financial services.