【作者】 陈丽；

【导师】 李有星；

【作者基本信息】 浙江大学 ， 经济法学， 2012， 硕士

【摘要】 金融危机爆发以后,各国开始审视目前金融监管模式的弊端,越来越关注于金融消费者权益的保护。金融消费者不同于普通的消费者,金融交易双方存在严重的信息不对称。传统金融法理论,将金融消费者和金融服务者视为平等的民事主体已经严重不符合金融领域的现实状况,本文试图从金融服务法理念出发,探讨出保护金融消费者权益的法律路径。文章的主体主要由四个部分组成：第一部分：金融消费者的界定及其保护的理论基础。对于金融消费者的界定包括两个方面：(1)金融消费者的内涵,通过阐述金融消费者是否限于自然人以及金融投资的主体是否属于金融消费者两大内容明确金融消费者的内涵。(2)从金融消费者的特殊属性出发探讨金融消费者与普通消费者的区别。对于金融消费者保护的法理基础包括经济学理论,法学理论和监管理论三个方面。第二部分：金融消费者间接保护—金融服务者行为规制。只有在法律规范上明确金融服务者的义务同时切实履行,才能对金融消费者起到间接保护的作用。金融服务者的行为规制主要包括说明行为和劝诱行为两个方面。第三部分：金融消费者直接保护—从合同订立到民事救济。对于金融消费者的直接保护主要分为三个方面：金融机构格式条款的限制、反欺诈制度的建立以及补偿机制的建立。第四部分：金融服务法理念的构建。概述了传统金融法理念的主要特征以及金融服务法理念的兴起,提出了构建金融服务法的主要思路。更多还原

【Abstract】 After the eruption of the worldwide financial crisis, many countries begin to look at the drawbacks of the current model financial regulatory model, paying more attention to the protection of the financial consumers. Financial consumers are different from the ordinary consumers, as there is a serious information asymmetry in financial transactions. According to the traditional financial law theory,financial consumers and financial service providers are treated as the equal civil subjects. This opinion can’t meet the status of the financial development. So this article aims to explore the legal path to protect the interests of financial consumers.The main body of the article is consisted of four parts:Part Ⅰ:Definition of the financial consumer and the theoretical basis of the financial consumer protection. The definition of the financial consumer includes two aspects:(1) The connotation of the financial consumer.(2) The differences between financial consumers and ordinary consumers. The theoretical basis of the financial consumer protection includes economic theory, legal theory and regulatory theory.Part Ⅱ:Indirect protection of the financial consumers. Clear the obligations of financial service providers to protect the rights of financial consumers. The regulation of financial service providers’behaviors includes two aspects:behavior of description and induce behavior.Part Ⅲ:Direct protection of the financial consumers. The direct protection of financial consumers is divided into three aspects:restrictions of the standard terms of the financial institutions, the establishment of the anti-fraud system and the establishment of compensation mechanism.Part Ⅳ:The concept of Financial Services Act.(1) The main features of the traditional concept of financial law.(2) The arise of the concept of Financial Services Act.(3)The main content of the Financial Services Act.更多还原