Research On The Protection Of Financial Consumers' Rights And Interests In Kaifeng Banking Industry

Since the financial crisis in 2008,countries have paid more and more attention to the issue of financial consumer protection in the process of financial regulatory reform.The United States established the Financial Consumer Protection Agency(CFPB),and the United Kingdom withdrew the Financial Services Authority(FSA)in the Financial Services Act of 2012,split into the Financial Conduct Authority(FCA)and the Prudential Regulation Authority(PRA),established in Japan.The financial ADR system.Strengthening the protection of financial consumer rights and interests has not only become an important part of the development of the global banking industry,but also a trend in the development of China's banking industry.Since the reform and opening up,China's financial industry has been developing with each passing day.As the main force in the development of the financial industry,the banking industry has long dominated the financial industry in China.With the huge enrichment of banking financial services and products,coupled with the irrational consumption decisions,limited cognitive ability,information asymmetry and information transparency of bank financial consumers,impersonation loans,deposits become insurance,bank charges and other infringements of finance Consumer rights incidents occur frequently.This paper takes Kaifeng City banking financial consumer as the main research object,through the research on the theory of financial consumer protection,systematically sorts out the research status of China's financial consumer rights protection,and discusses the strengthening of financial consumer rights in the grassroots banking industry.The necessity and feasibility of safeguards.On the basis of theoretical research,this paper also focuses on the financial consumer protection of banking industry in Kaifeng,and finds out the main problems of the protection of financial consumer rights in Kaifeng banking,from legal,institutional,financial supervision,and banking.The five levels of institutional and bank consumer financial literacy were classified and summarized.On this basis,according to the actual situation of Kaifeng banking industry,this paper proposes,for example,the establishment of Kaifeng banking financial consumer rights protection system,the improvement of bank financial consumer protection coordination mechanism,the establishment of third-party complaint dispute arbitration mechanism,clear and unifiedFinancial knowledge,publicity and education departments and other measures to strengthen the protection of the rights and interests of Kaifeng banking financial consumers.Studying the protection of financial consumer rights in grassroots banking industry will not only help prevent financial risks,maintain the stability of China's financial system,but also help to grasp the main contradictions of current financial consumer rights protection and meet the mixed banking industry in China.The need for development.At the same time,it can further promote the development of the grassroots banking industry and safeguard the legitimate rights and interests of financial consumers at the grassroots level.