摘 要：
随着金融市场快速发展和金融产品日益复杂化，金融消费者权益保护问题逐渐成为学术界与实务界的关注焦点。本研究以完善金融消费者权益保护机制为核心目标，基于国内外相关理论与实践，深入探讨了当前我国金融消费者权益保护体系中存在的不足及其成因。通过文献分析、案例研究以及问卷调查等多方法结合的方式，本研究系统梳理了金融消费者在信息不对称、合同不公平及纠纷解决机制不健全等方面的现实困境，并进一步提出了针对性的优化路径。研究表明，现行保护机制存在法律框架不够完善、监管协调性不足以及消费者教育体系薄弱等问题，这些问题在一定程度上削弱了金融消费者的权益保障效果。为此，本研究创新性地提出构建多层次、协同化的保护体系，包括强化立法支撑、优化监管协作机制以及推动金融科技在权益保护中的应用。此外，本研究还强调了金融素养提升的重要性，建议通过多元化教育手段增强金融消费者的自我保护能力。总体而言，本研究不仅为完善我国金融消费者权益保护机制提供了理论支持，也为相关政策制定和实践改进提供了具体参考，对促进金融市场健康发展具有重要意义。
关键词：金融消费者权益保护；信息不对称；纠纷解决机制；多层次保护体系；金融素养提升
Research on the Improvement of Financial Consumer Rights Protection Mechanism
Abstract: With the rapid development of financial markets and the increasing complexity of financial products, the protection of financial consumers' rights and interests has gradually become a focal point of attention in both academic and practical circles. This study aims to improve the mechanism for protecting financial consumers' rights and interests, drawing on relevant theories and practices from domestic and international contexts. It delves into the deficiencies and their underlying causes within the current system of financial consumer protection in China. By employing a combination of methods including literature analysis, case studies, and questionnaire surveys, this research systematically examines the practical challenges faced by financial consumers, such as information asymmetry, unfair contracts, and an underdeveloped dispute resolution mechanism. Furthermore, it proposes targeted optimization pathways. The findings indicate that the existing protection mechanisms suffer from issues such as an incomplete legal fr amework, insufficient regulatory coordination, and a weak consumer education system, all of which undermine the effectiveness of safeguarding financial consumers' rights to some extent. In response, this study innovatively advocates for the construction of a multi-layered and collaborative protection system, which includes strengthening legislative support, optimizing regulatory cooperation mechanisms, and promoting the application of fintech in rights protection. Additionally, the study emphasizes the importance of enhancing financial literacy and recommends utilizing diversified educational approaches to strengthen financial consumers' self-protection capabilities. Overall, this research not only provides theoretical support for improving the mechanism of financial consumer protection in China but also offers specific references for policy formulation and practical improvements, playing a significant role in promoting the healthy development of financial markets.
Keywords: Financial Consumer Rights Protection; Information Asymmetry; Dispute Resolution Mechanism; Multi-Level Protection System; Financial Literacy Enhancement
目 录
1绪论 1
1.1金融消费者权益保护的研究背景 1
1.2完善机制研究的意义分析 1
1.3国内外研究现状综述 1
1.4研究方法与技术路线 2
2金融消费者权益保护的理论基础 2
2.1金融消费者权益的基本内涵 2
2.2权益保护的核心原则分析 3
2.3相关法律框架的构建逻辑 3
2.4国际经验对我国的启示 4
2.5理论框架在实践中的应用 4
3当前金融消费者权益保护机制的问题分析 5
3.1制度设计中的不足之处 5
3.2实施过程中的难点剖析 5
3.3信息不对称问题的表现形式 6
3.4投诉处理机制的缺陷分析 6
3.5权益纠纷解决效率低的原因 7
4金融消费者权益保护机制的完善路径 7
4.1加强法律法规体系建设 7
4.2提升监管机构的执行力 8
4.3构建多层次的信息披露机制 8
4.4完善投诉受理与反馈流程 9
4.5推动社会共治的协同机制 9
结论 10
参考文献 11
致 谢 12
