The Study On The Civil Protection Of Internet Financial Consumer’s Rights

2015 is known as the year in which Internet financial returned to be rational.Since the 13 th Five-Year Plan proposals "develop Internet financial regularly ", 2016 was predicted to be the norm in the industry. With the application of scenarios, consumer finance, mobile financial to be the next direction of development of Internet financial, Internet financial will usher in a new era in the first year of 13 th Five-Year Plan. as the main participants of Internet financial market,consumers grow more and more in new era, the Internet financial companies set the users ’experience as a starting point, trying to product more innovative services to meet the various needs of consumers.The Internet financial consumer has gradually become the leader of the Internet financial development.However risks in the Internet financial market and abnormal behaviors of Internet financial company leads to a sharp rise of the number of infringements of consumers’ rights. Enhancing Internet financial consumer protection is an important part of preventing and defusing financial risks,which also has the positive significance of Internet financial security and stability.Research on the internet financial consumer protection should not confined to the field of macroeconomic policy in economic law but should fit the needs of internet financial by deeply analyzing the rights and obligations in the internet-financial-consume contract and the legal relationship between the Internet financial company and the internet financial consumer to effectively protect the rights of Internet financial consumers.The first part of the paper analyses the legal relationship between the Internet financial company and the internet financial consumer by analyzing the special nature of the Internet financial products、definition of the Internet financial consumer and the main scope of Internet financial consumer.The second part describes the Internet financial consumer rights. This part set P2 P, YU’E BAO, The third-party payment as examples to describing the characteristics of the Internet financial consumer rights.The third part discusses the Internet financial risks and the protection of Internet financial consumers in China.First of all analyzing the Internet financial market risks; secondly discussing the theoretical foundation of the Internet financial consumer protection; and finally discussing the protection of Internet financial consumers in China.The fourth part sets up with the proposals for Internet financial consumer civil protection combined with financial events in financial markets.First of all analyzing promoting the civil legislation of Internet consumer rights protection of consumers’ rights and other preventable protection of consumers’ rights; secondly discussing rational design and regulate the Internet financial service contracts and other during protection of consumers’ rights;Last analyzing construction introduces rules to limit differences of financial transactions and other remedy protection of consumers’ rights.