Research On The Protection Of Consumer Information Access Rights In Internet Platform Finance

From consumer to financial consumer is a leap of economic times,and from financial consumer to Internet financial consumer is a stage of evolution,the corresponding consumer protection concepts and measures should be in line with the reality.In the traditional financial market,asymmetric information has always been criticized by consumers.The characteristics of disintermediation and disintermediation of Internet finance and the integration of "Internet+" mode and traditional finance aggravate information redundancy,information ambiguity and information uncertainty in the current Internet era.The operators and consumers of Internet platform finance influence each other due to the change of information gap,and even dominate the situation of being dominated.At the same time,Internet platform finance must pay close attention to the dilemma of how to secure collective information caused by popular participation.Internet platforms make use of financial Internet technology to innovate financial business,and rapidly develop new markets in the financial field through mutual integration of their existing advantages.The operation of Internet platform finance has its own advantages,convenient and fast,but also has its own development deficiencies.Firstly,the development of Internet platform finance occupies the market based on the collection of consumer information,which is in opposition to the insufficient information acquisition of Internet financial consumers,resulting in the aggravation of information acquisition risks and loss of trust interests in information acquisition.Second,in the promotion and transformation of digital information age,financial information deviation and confusion are the main reasons for financial consumers to obtain fuzzy information and even information fraud.At the same time,how consumers obtain safety information in the market is still the focus of information environment under the rule of law.Thirdly,the incomplete information disclosure system of platform finance has resulted in improper limits of consumers’ access to information,which cannot guarantee consumers’ right to obtain information.For example,accurate and safe cognitive information can be obtained from product design,cost standards,risk tips and other aspects.Financial consumers,however,due to the inclusiveness of the market economy,and driven by the urgency of economic transactions,have few ways to discern and confirm the credibility and security of access to information.Starting with the protection of financial consumers’ information access right,it is suggested to refine the scope of information access of financial consumers and the standard limit of the integration platform,so as to better protect the rights and interests of consumers.Driven by interests,financial consumer operators should usually use the diversity of products and services to hide information in order to obtain higher economic benefits,so it is more necessary for subsequent regulations and departments to regulate their limits.The protection of financial consumers is scattered in many aspects of the financial field,and there is no mandatory regulation on the right to obtain information.Most of the laws regulate platform behavior.In the overall regulatory system,there are problems such as low regulatory efficiency,insufficient regulatory measures,lack of targeted laws,and complex financial products can not guarantee the safety of consumers’ right to obtain information.Starting with the protection of financial consumers ’information acquisition right,it is suggested to refine the scope of financial consumers’ information acquisition and the standard limit of the integration platform in multiple ways.The acquisition of consumer information should be legal and compliant in terms of information disclosure,system improvement,risk prompt and other aspects,improve the transparency of financial products and services consumed on the Internet,and protect the information acquisition and capital security of financial consumers on the platform.Protective regulations guarantee more preferential attention to financial consumers,combined with the establishment of a unified information right to obtain a system.Not only the compulsory provisions of consumers’ right to obtain information should be clearly defined in law,but also the effective management of information behaviors of operators and other subjects should be emphasized from the regulation path,so that the right can be truly and effectively protected.The protection of consumers by Internet financial platforms will follow the traditional "double peak" concept,and its regulatory system must make a breakthrough and then turn to the socialized diversified governance of Internet platform integration as the core,and integrate the supervision mode of all parties,so as to increase the entry point for the information security supervision of Internet platform finance.At the same time,the corresponding protection system should be added in the theory to increase the content of the current consumers’ right to obtain information,and create that when financial consumers buy products or enjoy relevant financial services in the financial platform,they can supplement the information security prompt system in advance to simplify the problem of information gap.Thus,under the modern digital information economy,a systematic theory of financial consumer information acquisition right guarantee can be established.