The Study On The Legal Protection Of Chineseinternet Financial Onsumers’ Rights

Advances in modern information and Internet technology, especially the develop of cloud computing, big data, app software, profoundly change many traditional industries, especially the financial industry. "Internet-Finance" has cached more and more people’s attention. In the Twelfth National People’s Congress, Premier Keqiang Li in his government work report mentioned the "Internet" eight times, including: "develop ’Internet +’ action plan" etc. So we can see the hotness of "Internet-Finance". As Internet-Finance has been flourishing at present, modern information technology enterprises represented by the internet companies, gradually infiltrate the financial industry and combine with their own advantages to create more financial products in order to promote the development of the real economy in our country. At the same time, traditional financial institutions have begun to abandon the stereotype,and to merge with internet technology, in order to provide more convenient service for clients. Although Internet-Finance has advantages of wide coverage, rapid development, transaction costs’ reducing, transaction efficiency’s submitting, convenience,etc. However, the weak position of internet financial consumers, commercial and technical risks of Internet financial institutions, as well as the absence of national laws and regulations and government regulation also increased the possibilities of the consumers’ legitimate rights and interests being infringed. Specific featured as: the right to know, the right to property, the right to information security and the relief right have suffered to varying degrees. Therefore, the research on how to improve the relevant system which maintain to protect the Internet financial consumers’ rights and to promote the healthy development of the financial industry has an important significance.This article includes the following sections.The first part is the basic theory of the protection of Internet financial consumer’ rights. It discusses the definition of Internet financial consumer’ right, the characteristics and classification of Internet financial transaction mode, as well as the theoretical basis and foundation of the protection of Internet financial consumer’ rights.The second part is the problem and its causes of the protection of Internet financial consumer’ rights. It expounded the specific performance of China’s Internet financial consumer rights’ being violated, and analyze the causes of their suffering from the violation of laws and regulations, government regulation and other angles.The third part is the experiences of Britain and the United States’ protection of Internet financial consumer’ rights and the inspirations to China. By discussing and analyzing the experiences of Britain and the United States’ protection of Internet financial consumer’ rights, this article is aim to search for a suitable direction of China’s protection of Internet financial consumer’ rights in the future.The fourth part is to make recommendations to improve the protection system of our Internet financial consumer’ rights. From the above we can see that China’s relevant departments should take the following measures to improve the protection of Internet financial consumers’ rights, including: to establish a sound legal framework for the protection of internet financial consumers’ rights; to strengthen the government regulations of Internet financial trading activity; to promote the Internet financial industry’s self-regulation; to strengthen the education of the internet financial consumers; to build a "diversified" Internet financial dispute settlement system.