Research On Internet Financial Consumer Reimbursement Right Guarantee Mechanism

The increasing reformation of the internet technology has overturned the developing mode of traditional financing industry.“Internet finance” has more and more attracted people’s attention and focus.The premier of the State Council Li Keqiang has multiply mentioned “internet” in governmental work reports,which can indicate the popularity of internet finance.Modern information technological enterprises have gradually become the indicator for all enterprises.It serves for the financing industry with unique advantages.But many disadvantages of internet finance can not be neglected either.It is also more difficult for the protection of consumer tights and interests under such background that their rights are damaged to different extent.Especially when the right of claim is damaged,consumers will be suffered from more severe injury.Therefore,the research on how to improve relevant systems to protect the right of claim for internet finance consumers is of great significance to accelerating the healthy and orderly development of the internet finance industry.The essay firstly defines the connotation of the phrase of “internet finance consumers” and concludes the features and classification of the internet finance exchange modes to expound the basic theory of the protection of the right of claim for internet finance consumers.Then it explains the necessity of protecting the right of claim for internet finance consumers and the detailed reasons that internet finance consumers can not be effectively protected after their right of claim is damaged.Afterwards it introduces relevant experience of the protection of the right of claim for internet finance consumers in foreign countries and its enlightenment to China.Through the explanation and discussion of their relevant protection systems for the right of claim for internet finance consumers,it strives to explore the protection system for the right of claim for internet finance consumers suitable for Chinese national situation.In the end,targeted at the shortcomings and causes of the right of claim for internet finance consumers,it proposes its own opinions and suggestions.This is also the main idea of the essay,hoping China can establish and improve the FOS system as quickly as possible,including establishing the public interest litigation and online dispute settlement mechanism for internet finance consumers to form Chinese unique highlyeffective finance dispute settlement mechanism to improve the guarantee system for the right of claim for internet finance consumers and protect their rights to be invaded.