Protection Of The Rights And Interests Of Internet Financial Consumers

With the deep integration of Internet and finance,it has become more convenient to buy financial products and services through online platforms.At the same time,financial risk,as the twin sister of financial innovation,comes into being.Compared with traditional finance,the risks exposed by Internet finance involve a wide range,are highly conductive and have a great social impact.In recent years,the infringement of the rights and interests of Internet financial consumers has increasingly become a common problem,and the damage to the interests of consumers by various online lending platforms is particularly prominent.But the law is often lags behind the economic development,at present our country has not yet set up specifically for Internet financial consumer protection legal system,and the consumers’ rights and interests protection of the existing legal system cannot provide adequate protection for Internet financial consumer,the lag of law has sought to protect consumers often in "could not be in accordance with the" awkward.The lack of legislation,the absence of supervision system and the disconnection of relief system make it difficult to effectively protect and enforce the rights of Internet financial consumers,forming a pool of consumer protection.In judicial practice,the understanding of the particularity of financial consumer "" the Internet is not sufficient,the Internet financial consumer is considered in general consumer market,ignores the particularity of financial consumer Internet and reality in a weak position,the results show that the very big difference,this is bad for the rights and interests of Internet financial consumer protection,thus affecting consumer confidence in the market,thereby impede the orderly development of the Internet financial markets.Therefore,it is imperative to find the right balance between consumer protection and financial innovation.Considering the particularity of financial consumer goods,China needs to take preferential measures to protect the rights and interests of Internet financial consumers.This article through to the Internet the court to a random sample of 300 as samples,the written judgment for data analysis,respectively for the main body of the Internet financial consumer disputes,support,trial period,the contract content and applicable law,the current main problems of the Internet financial consumers’ rights and interests protection,analyzing the reasons,in reference to countries outside of the Internet financial consumer protection on the basis of experience,from the perfect legal guarantee,standard Internet financial market regulation,to realize the Internet financial disputes solution diversified aspects such as improvement measures are proposed,clarify the legal status of Internet financial consumer,We will strengthen the obligations of financial institutions,unblock relief channels,and build and improve the existing mechanism for protecting the rights and interests of Internet financial consumers.