Research On The Legal Issues Of College Students' Financial Consumption Rights Protection

In recent years,with the rapid development of Internet financial innovation,consumer finance,financial consumer overall consumption level has been greatly improved.At the same time,various financial subjects have to expand its financial market,the development of emerging consumer groups,including college students is one of the emerging groups,they have completely the capacity for civil conduct,with independent thinking ability,ability to receive new things,but is limited by direct personal income,and restrain their consumption ability.College students’ future consumption potential is enormous,but at this stage the risk tolerance is very fragile so.And how to improve the service providers of all types of financial products and financial consumer market behavior,to achieve the prosperity of financial market in an orderly manner,so as to achieve the financial interests of the consumer to maintain university students the purpose of this paper is to focus on the content.This paper includes five chapters.The first chapter is the introduction part,background of this topic,elaborates the significance and value,etc.at the same time,in accordance with the idea of the traditional model of the article,the structure and research methods and innovation of this article has made the summary;the second chapter is an overview of basic concepts of the part.College students’ financial consumption,legal relation and characteristic are discussed,at the same time,according to the main contents of present financial consumption of college students has carried on the classification;the third chapter is the current situation of College Students’ financial consumption combing,from the present situation of main content rights to include the right to security,consumer rights,personal privacy,loss Damage compensation request right and litigation right to report,and then to the specific infringement phenomenon and its analysis of the causes,such as thefraud,deception of credit products propaganda flooding,including disguised "usury" unknown rate,lower loan threshold "bad loans","long-" lax audit,post lending institutions illegal collection.At last,the collation of existing relevant laws and regulations and policy documents recently introduced;the fourth chapter focuses on the college students’ financial consumer rights protection problems existing at the present stage,from the financial consumer provider is not standardized in two point of view of the business and financial consumers’ College Students’ problems,with a total of The form of analysis.The last chapter is mainly a chapter of the research results,and puts forward some countermeasures and suggestions on how to improve college students’ financial consumer protection,and the content of the fourth chapter corresponds,this part mainly includes five aspects.One is to speed up the theoretical basis of the study on College students’ financial consumer rights protection two,is to build a diversified financial consumption mode,three is the regulatory role of external forces on the financial markets and supervision of the students’ rational consumption,four is a unified standard for college students’ financial products;five is the universal education focus on financial consumer related knowledge of College Students.