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M银行金融消费者权益维护中的问题与对策探索_MBA毕业论文DOC

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文本描述
摘要摘要
在现代经济社会中,金融行业是推动经济建设的核心力量。金融消费者,
作为金融市场的重要参与者,在金融发展历程中的影响作用更是不容忽视

金融产品和金融服务的创新加快了金融市场的发展速度,从日益增多的金融
纠纷问题中,人们逐渐认识到应对处于弱势地位的金融消费者给予必要的保
护。从全球范围来看,各国研究和实践表明,保护金融消费者权益不仅关系
到金融机构能否实现健康快速发展,也决定了金融体系能否安全、稳定、高
效运行

2008 年次贷危机爆发的原因之一,是监管当局对金融机构的信用滥用行
为缺乏有效管理。市场的无序性严重的损害了金融消费者的权益。因此,完
善保护机制成为各国金融监管改革的一项重要内容。中国作为新兴市场经济
国家和金融消费大国,在法制规范和监管体制建设上也做出了大量工作

2012 年 7 月,中国人民银行设立了“金融消费者权益保护局”,构建了金融
消费者权益保护的基础平台。2014 年 3 月 15 日,新《消费者权益保护法》
正式实施,银行、保险领域的金融消费者被纳入制度框架中。但是在分业经
营的实践中,金融消费者权益维护不利,导致金融纠纷频发,影响了金融企
业的日常经营管理,影响了企业的声誉和品牌,影响了企业的竞争能力和可
持续发展

作为工商管理尤其是金融监管工作的难点和热点,本文基于自己金融监
管工作的经验和体会,通过对相关文献、相关理论的总结和归纳,结合数据
的研究整理,分析了我国金融消费者权益保护现状。同时,以工商管理的主
体 M 银行为研究对象,从案例中反映问题和不足,在借鉴国外优秀实践经
验的基础上提出可行性措施

具体分为七个部分:
第一部分是对研究对象和研究要求进行说明。首先是对国内外关于金融M 银行金融消费者权益维护中的问题与对策探索消费者权益保护的研究成果进行分析和整理;其次是论述文章的选题背景和
研究意义;最后,基于文章的研究内容和方式,提出本文研究的创新和不足

第二部分是对研究问题相关理论的梳理。基于国内外两个视角,对金融
消费者的概念和基本权利进行总结,并阐述保护依据、原则,为后续的讨论
奠定理论基础

第三部分是对我国金融消费者权益保护现状的论述。从体系、制度、解
决途径和国际交流方面概括我国在金融消费者保护方面取得的成绩,并对金
融监管平台保护问题进行数据分析

第四部分是对 M 银行典型金融纠纷案例的具体分析。从存款、信贷、
保险、证券、信托等金融服务中产生的侵权行为,反映现实生活中保护机制
的不足

第五部分是对金融消费者利益受损原因进行探究。从立法、监管、机构
等不同主体角度出发,对我国金融消费者权益保护现状形成的原因进行讨

第六部分是对国外金融消费者权益保护经验的总结。通过借鉴美国、英
国、日本等发达国家的实践经验,为解决我国金融消费者保护中存在的问题
提供方法

第七部分是对完善我国金融消费者权益保护体系提出建议。根据保护原
则和要求,分别从健全法律体系、完善信息披露制度,建立金融消费纠纷解
决机制,创新监管方法,以及加强金融消费者维权教育等方面提出建议

关键词:金融消费者 权益保护 金融纠纷 金融监管AbstractAbstract
In modern economic society, finance is the core of economic construction.
Financial consumers, as the important participants, have a huge influence in
financial development. The innovation of financial products and financial services
has raised the speed of the development of financial market. More and more
financial disputes made people gradually realize the necessity of the protection of
financial consumers. Based on the research and practice in the world, the
consumers’ rights and interests protection is closely related to the development of
the financial sector. It decides whether the financial system can work safely, stably
and efficiently.
One of the important reasons for the outbreak of the sub-prime crisis in 2008
was the ineffective regulation of financial institutions. The disorderly market
caused serious damages to the financial consumers’ interests. Therefore, building
an effective protection mechanism is crucial to financial regulatory reform. As an
emerging market and consumer groups, China has made many efforts on the legal
norms and regulatory system construction. In July 2012, the People’s Bank of
China set up Consumer Financial Protection Agency to protect financial
consumers’ rights and interests. On March 15th 2014, with the new Consumer
Protection Law taking into effect, the bank, insurance and other financial
consumers will be included into the framework system. But in the practice of
decentralized management, the poor implementation of protection of financial
consumers have led to the frequent occurrence of financial dispute, which has
negative effects on the management, fame and competitiveness of financial
enterprises.
As the difficulty and key point in business administration, this paper is based
on the experience in financial regulation, through the summary of literature and
related theories, combined with some data. The author analyzes the present
situation of Chinese society. Taking example of the M bank, which is the subject ofProblems and Countermeasures of Financial Consumers&39; Rights and Interests Protection of M Bankbusiness management, the existing problems of the protection of financial
consumers’ rights and interests can be reflected. By studying the foreign advanced
experience, the purpose of the research is to put forward some feasible measures.
The paper mainly consists of seven chapters:
Chapter 1 is the explanation of the research objectives and requirements. At
first, this chapter analyzes and discusses the achievements about the protection of
financial consumers’ rights and interests in domestic and abroad. Secondly, it
expounds the background and significance of this research. At last, it calls out the
innovation and the insufficiency of this essay according to the contents and
methods.
Chapter 2 is the basic theory about the research questions. Based on the
prospective of domestic and overseas, the author tries to conclude the concept and
basic rights of financial consumers. With the basis and principles of protection, it
will set up the theoretical foundation for further discussion.
Chapter 3 discusses the current situation of our country. This chapter talks
about the achievements in system, law, solutions, and international communication
in China. In the meantime, some statistical data show the problems of financial
supervision platform.
Chapter 4 analyzes the typical financial dispute cases of M bank. Through the
problems in the financial services of deposit, credit, insurance, securities and trust,
this chapter reflects the defects of protection mechanism of financial consumer in
peoples’ real life
Chapter 5 explores the reason why financial consumers’ rights get injured.
Based on the different participators, including judicial department, supervision
department, financing institution and so on, this chapter discusses the reasons of
the current situation in protecting consumers’ rights and interests in China.
Chapter 6 analyzes and discusses the experience of foreign countries. Based
on the practical experience of developed countries abroad, including the United
States, Britain and Japan, this chapter provides approaches to solve some problems
about the protection of financial consumers in China.
Chapter 7 lists the suggestions to prefect the system of protection in China.
According to the principle of protection and requirements, this paper puts forward
some suggestions on how to improve the legal system, improve the informationAbstractdisclosure system, set up the financial consumer dispute resolution mechanism,
bring forth new ideas in supervision methods, and strengthen the education of
consumer rights protection, and so on.
Keywords: Financial Consumer; Protection of Rights and Interests; Financial
Dispute; Financial Regulation目 录目 录
1 绪论 .......... 1
1.1 研究的背景和目的 .... 1
1.1.1 选题背景 .. 1
1.1.2 研究意义 .. 1
1.2 研究内容与方法 ........ 2
1.2.1 研究内容 .. 2
1.2.2 研究方法 .. 3
1.3 本文的创新及不足 .... 5
1.3.1 本文可能的创新 . 5
1.3.2 本文研究的不足 . 5