Research Of Rights And Interests Protection Of ZS Bank's Personal Finance Business Consumers

With the demand level of the public from the basic needs of the level of survival out of the idle capital of the increasing demand for value-added,residents choose to transfer some of the deposits to financial products,the bank's financial business in the strong demand for rapid development.The new century,China's banks have launched a personal financial management business,as banks in the minds of the public have a higher credit,coupled with financial products compared to the high yield of deposits,the rapid expansion of market size.The financial products themselves have intangible,professional,complex and risky,personal wealth management business for consumers and bank managers have higher financial literacy requirements,combined with financial consumers and banks between the natural High degree of asymmetry,with the intensification of market competition,the risk of personal wealth management business gradually exposed,a number of banks appear financial fraud,in particular,consignment products breach of contract events,to the interests of financial consumers has brought great damage.How to effectively protect the interests of financial consumers,especially in the commercial bank personal finance business involved in the various interests,has become an unavoidable reality.In order to discuss the practical problems which are most close to the consumers,this paper analyzes the financial interests of financial consumers in the financial management business f-rom the point of view of the personal financial management business of commercial banks,through field investigation and participation information,and how protection.ZS Bank as a case to analyze the case,ZS Bank will personal finance business as its future development strategy,for many years been rated as China's best retail bank,select ZS Bank as a representative case.This paper first introduces the key concepts including personal finance business,financial consumers and financial consumers,rights and interests,and analyzes the individual interests of personal finance business.Secondly,it analyzes ZS bank and its financial management business,from product,marketing and incentive Angle,respectively,introduced the ZS Bank personal financial management of the status quo characteristics,as well as ZS Bank in the personal financial business financial protection of the rights and interests of consumers existing practices and rules and regulations.And then focus on the ZS Bank in the financial management of financial consumer rights protection problems exist,mainly to damage the right to know,violations of fair rights,combined with business characteristics,innovation concerns of the bank consignment financial management is not standardized,and ZS Bank from the various business model In the analysis of the reasons for the problem.Finally,in view of the above analysis,we put forward the countermeasures and suggestions to strengthen the protection of financial consumers 'rights and interests in order to promote the healthy and stable development of commercial banks' personal wealth management business and protect the rights and interests of financial consumers.