Judicial Case Study On Consumer Rights Protection In Bank Financial Management

With the development of economy,individuals have become more aware of the concept of investment and finance,and have begun to buy a large number of financial products and accept financial services,and have gradually diversified ways of choosing financial management.Commercial banks with good reputation,as the main financial institutions in China,play a pivotal role in the field of financial management,constantly issue financial products,expand the financial market,and let more individuals become banks’ investment and financial management.And as the bank financial market prosperity,banking institutions in the financial business there are many false advertising,bundling,malicious conceal financial information,fails to perform the risk disclosure and disclosure obligation,etc,at the same time,the bank employee fraud of sales,private sale of financial products,such as improper behavior,makes money consumers’ right to know and property safety,autonomous choice,privacy and other legitimate rights and interests have been bank or the bank employee.However,due to the financial market in China began to gradually developed in the 21 st century,the development of late,the related theory system,laws and regulations,supporting facilities have some problems,such as,the risk control of bank financing business does not reach the designated position,risk assessment,become a mere formality and private sale of the bank employee behavior legal regulation is not perfect,on distribution of burden of proof and responsibility standard is not consistent.Therefore,it is a necessary and urgent task for China to give special protection to financial consumers.In view of this,must establish or improve special laws and regulations,perfect the corresponding theoretical system,to build a conducive to protect bank financial consumers’ legal rights and the judicial environment,and raise the risk of financial consumer oneself consciousness and law consciousness,this article is precisely under this purpose,on the basis of judicial case,involving a bank financing business,summarized the cases of consumer rights and interests protection and finishing,to present the case features,the focus of controversy,put forward the problems and cause analysis,in order to put forward to perfect the bank financing business of consumer rights and interests protection Suggestions,In order to better protect in the process of financial transactions in the disadvantaged position of consumers.