On The Protection Of The Rights And Interests Of Internet Financial Consumers

With the development of Internet technology and finance industries, as well as consumers of financial services requirements continue to increase, Internet trading in financial markets gradually entered our daily life. PayPal, the balance of treasure, micro channel pay value-added treasure, these Internet financial products and financial mode are imperceptibly changing people’s consumption habit of traditional financial. Internet financial now has become a trend of The Times. Internet financial consumer is a kind of consumer group that mainly consume Internet financial innovation products and services and other similar business.In Internet financial transactions, due to the consumption of virtualization, digital carrier, consumers need to face the different from traditional financial products and services consumption of mark, need to take more risk. The contemporary phenomenon of Internet financial consumer rights and interests are violated. Such as balance of treasure Internet financial account illegal misappropriation, some emerging Internet peer-to-peer(P2P) network platform collapse run, Internet financial consumer loan of personal financial information was leaked, some Internet financial management enterprise intends to hide the investment risk and exaggerate its Internet financial products, such as the expected return. So as the phenomenon of Internet financial consumer rights and interests are violated more and more prominent, the rights and interests of Internet financial consumer protection in our country needs to further improve. And the Internet financial consumer rights and interests protection system in our country also has many shortcomings. Mainly displays in: one is the lack of relevant legislative provisions; Second, social credit system is not sound; Third, the Internet financial market regulation mechanism is not perfect; Four is the Internet financial consumer rights protection way is not smooth.In this paper, based on the relevant theoretical research and practice of existing operation, try from the Internet trading related basic theory of financial markets and financial status of the protection of the rights and interests of consumers of the Internet, how to improve financial consumer’s rights and interests protection in the Internet, and puts forward some perfecting Suggestions. These Suggestions can be summarized as: it is to formulate and perfect relevant laws and regulations on Internet financial consumer rights and interests protection and the system; 2 it is to improve our social credit system; 3 it is to set up a dedicated Internet financial market regulator, the perfect Internet financial regulation system; Four is to establish a new type of online dispute resolution mechanism; Five is to strengthen the publicity and education of Internet consumer financial knowledge, attach importance to financial consumer rights and interests protection of the Internet.