Legal Protection Of Financial Consumer Rights In Online Banking

The rapid development of Internet finance has led to the prosperity and expansion of the Internet financial management industry,attracting more people to participate in the field of online financial management.However,the development of network financial management has brought considerable benefits to people,and the damage of financial consumers' rights and interests has occurred one after another.Network financing is an emerging type of financial management,which provides virtual trading environment and products,and the lack of financial supervision,the imperfection of the relevant legal system and the unclear definition of financial consumer concept,so that the interests of the financial consumers are extremely vulnerable.This paper mainly discusses the protection of financial consumers' rights and interests in four parts.The first part starts with a practical case to analyze the legal problems caused by financial consumer rights and interests damage cases.The second part is to define the concept of online financial management and financial consumers.The third part is to explore why to protect the interests of financial consumers in online financial management.Because the network financial management belongs to the new financial management mode,the corresponding legal system has a certain lag,at the same time,the financial consumers are in the weak position of asymmetric information.Therefore,the legal protection of the rights and interests of financial consumers appears to be very urgent.The fourth part is how to perfect the protection measures of the financial consumers' rights and interests in the network financing.The legal rights and interests of consumers need to be protected by law,which requires the perfect measures from the aspects of special legislation,clear responsibility,strengthening supervision and perfecting dispute resolution mechanism,all of which should aim at protecting the rights and interests of financial consumers.