Research On The Grading Protection System Of Financial Consumers Under The Appropriateness Rules

At present,China's financial consumption status is generally manifested in the diversification of financial products or services.The underlying consumer groups are gradually integrated into the financial consumer category,and the scale is gradually expanding.The composition,contents,and scope of rights and obligations of financial consumers are changing.For the shift of the focus of the entire financial law system,based on the expansion of the basic categories of financial consumers,financial supervision has paid more attention to the protection of the rights of financial consumers.At the same time,it also requires financial institutions to further regulate the rights and obligations of financial institutions.In order to achieve the goal of financial consumer protection,the issues that must be clarified are “to protect who” and “how to protect”.In this issue,the appropriateness rules in a mature market can play an important role in financial consumers.Hierarchical and hierarchical protection measures are adopted so that the rights and obligations,protection measures,and relief channels correspond to each other,so that there is no “legal person” or “outside the law”.The supervision and protection of talents are done well and their duties are fulfilled.Financial institutions are able to fulfill their obligations properly and financial consumers are able to know their rights.This article is mainly divided into four parts.Part I: An overview of financial consumer protection theory under the appropriateness rules.The discussion in this section aims to explore the close relationship between the appropriateness rules and financial consumers.It also needs to establish a comprehensive three-dimensional understanding of financial consumer protection theory,and finally combine the two to seek a theoretical breakthrough in the integration of the two.Part ?: According to the current situation of China's financial consumer protection,analyze the main problems of our country's financial consumer protection.Part ?: Through comparative analysis of foreign legislation,the content of foreign financial consumer protection is summarized into three aspects,which mainly include the three contents of unified legislative model,hierarchical supervision model and classification protection model.Therefore,combined with the current status and trends of China's current relevant legislation,a summary of China's basic ideas to build a financial consumer rating protection system.Part IV: Having fully explained the rules of adequacy and the theory of financial consumers,we first sum up the realistic conditions for the establishment of China's financial consumer rating protection system,and secondly,design the classification based on the consideration of realistic conditions.The basic framework of the protection system,at the end of the hierarchy,deduces the specific measures of the grading system to improve the graded protection of financial consumers in China.