Research Of Internet Financial Consumer Protection

The finance consume online is a new financial model,It is an organic combination of modern Internet technology and traditional financial industry.It provides new ideas and models for the development of the financial industry.It also amplifies the financial risks at the same time.It has the characteristics of information,virtuality,economy,risk and so on,that makes the Internet financial products have a greater potential risk.When the risk occurs,Internet financial consumers tend to be the ultimate victims.At present,Internet financial is in the period of ’big explosion’ in China.Various types of Internet financial products emerge one after another.However more and more Internet Financial violations occurred in recent years.The issue of Internet financial consumer protection attracts the attention of all parties.Face the problem,it is necessary to analyze and study how to find an effective solution.The article mainly analyzes concepts,characteristics and tortious conduction of Internet financial in order to find the institutional defects of China’s Internet financial consumer protection and put forward some suggestions for improvement and system design.The article is divided into six parts:The first part is about an overview of the basic theory of Internet financial consumption,including the basic concepts,characteristics,development process.This part expounds the concept and classification of Internet Finance and determines the direction and scope of the study.The second part mainly studies common forms of infringement.Analyzing consumer infringement combined with the characteristics of Internet financial.The third part mainly studies problems faced by China’s Internet financial consumer protection.On the basis of the study of legal system,supervision mechanism and the channel of rights protection,we try to find the lack of protection of Internet financial consumer rights.The fourth part mainly studies foreign experience of Internet financial consumer protection.It analyzes advanced protection experience of USA,UK and Japan.It elaborates foreign financial consumer rights protection system from the perspective of legislation,regulatory mechanism,consumer protection mechanism and other aspects.It analyzes the previous summary in the fifth part.We propose to improve the protection of Internet financial consumer protection from the aspects of legislation,supervision,protection of rights,credit system and so on.The last part is the conclusion.This part summarizes the current situation of the development of China’s Internet financial consumer protection.