Research On The Protection Of Consumer Rights In The Banking Industr

This paper mainly focuses on the protection of financial consumers’ rights and interests in the banking industry.The main argument is that the protection of consumers’ rights and interests and the stable development of economy and finance complement each other.Actively explore and optimize the banking financial consumer rights and interests system and mechanism construction work system.In the face of today’s and foreseeable future homogeneous competition,the protection of financial consumer rights and interests has achieved certain results.Under the trend of comprehensive financial reform and the background of China’s increasing research in the field of financial consumer protection,it is not difficult to find that the construction of consumer rights and interests protection system still faces many challenges,and the traditional supervision and governance methods,bank business philosophy and risk control mechanism can not meet the people’s urgent pursuit of their own rights and interests.In the process of transformation and reform of banking institutions,there are three contradictions: first,the contradiction between the diversified development of business varieties and the lagging cognition of consumers’ financial knowledge and consumer education;Second,the contradiction between the rapid transformation from traditional wholesale business to new retail business and the untimely transformation of consumer insurance system and mechanism;Third,the contradiction between the rigid assessment of performance indicators and the slowdown of social and economic growth.These contradictions have seriously affected the effectiveness of the protection of the rights and interests of financial consumers in the banking industry.On the basis of analyzing and summarizing the existing research,this paper aims to use the comparative methods in relevant fields at home and abroad,combined with the actual governance of domestic banking supervision and banking institutions,and increase the research on the core concepts,theoretical system,work status,case analysis,measures and suggestions of banking consumer rights and interests protection,By combing the problems existing in the construction of the current consumer protection system in the banking industry,this paper puts forward how to deal with financial innovation and improvement measures and suggestions in line with the interests of the people,so as to better protect the legitimate rights and interests of consumers.The first chapter of this paper is to define the concept of financial consumers and study the theoretical results and practical experience of financial consumer protection at home and abroad in the post crisis era.Combined with the context of China’s social development and reform,highlight the commonality of consumer rights protection and humanistic thought,and deeply analyze the theoretical and practical significance of establishing and improving China’s financial consumer rights protection system,as well as the importance of implementing the thought of socialism with Chinese characteristics in the new era.The second chapter expounds the current situation of China’s protection of the rights and interests of financial consumers under the current new situation,and the results achieved in system construction,behavior supervision,work measures and so on.The third chapter studies the deficiencies of the banking industry in establishing and maintaining the protection system of financial consumers’ rights and interests,regulators,banks and bank consumption itself.The fourth chapter takes the case as a mirror,comprehensively combs the regulators’ regulatory ideas,behavior modes,the current management mode and crisis management process of banking institutions,traces the source,and deeply analyzes the behaviors and causes of infringing on the legitimate rights and interests of consumers.The fifth chapter expounds the good practice of financial consumer protection in Britain,the United States,Japan and the world bank,combined with the current situation of our country and drawing lessons from the valuable experience of other countries The sixth chapter is the countermeasures and suggestions to improve the protection system of financial consumers’ rights and interests in the banking industry.Under the background of continuous innovation in financial media,financial models and financial products,and under the trend of emerging products such as Internet Finance and Internet insurance,in view of the shortcomings of the current protection of consumers’ rights and interests in the banking industry,on the basis of summarizing the causes of problems such as ideological understanding,system and mechanism,self-discipline and so on,The research puts forward how to deal with financial innovation and improvement measures and suggestions in line with the interests of the people,and makes the research results of this paper more forward-looking on the basis of drawing lessons from the theoretical results of consumer rights and interests protection at home and abroad.