【作者】 黄云；

【导师】 文兰娇；

【作者基本信息】 华中农业大学 ， 公共管理硕士（MPA）（专业学位）， 2021， 硕士

【摘要】 金融体系的平稳健康运行与国家经济安全、社会稳定以及社会公众自身利益密切相关。面对日益丰富的金融服务和金融产品,培养金融消费者的基本金融素质、维护金融消费者合法权益是确保金融市场繁荣发展的必然要求。本文在国内外研究的基础上,利用文献研究、案例分析、问卷调查等方法,对信阳市金融消费者权益保护与教育进行了效果评估。首先,从消费者入手研究消费者与金融消费者等相关概念的联系与区别,明确信息不对称理论、金融监管“双峰”理论、金融消费行为中的“羊群效应”等金融消费者权益保护理论基础,整合金融消费者教育研究经验启示。其次,分析了信阳市金融消费者权益保护与教育应用现状并对当前金融教育效果进行了评估。针对辖区金融消费者权益保护工作处于起步阶段、对监管职能的要求显著增强、金融知识宣传呈常态化趋势、农村地区金融服务体系逐步完善、金融普及教育的广度和深度不断延伸等特点,本文设计了消费者调查问卷。采用面对面调查方法对信阳市金融消费者权益保护教育程度进行效果评估,共收集211份有效问卷,Cronbachα系数为0.742,问卷信度质量高。调查结果分析显示信阳辖区城镇居民与乡村居民基本金融素养存在着显著差异,少部分金融消费者尚未接受到金融普及教育、基本金融常识还不具备,现有的金融教育手段难以有效宣传金融消费者权益保护知识,金融消费者的维权满意度还需要进一步提升,部分金融消费者理财观念不足、理财行为欠佳,金融技能掌握程度和金融知识掌握程度不足。最后,提出了相应优化建议:强化农村地区金融教育,加强全社会金融知识普及教育,优化金融教育手段,提升监管水平以完善金融消费者权益保护职能,做好金融消费者财商教育,强化金融教育成果到消费者权益保护水平提高的转化。更多还原

【Abstract】 A stable and healthy financial system is the key for national economic security,social stability,and public interests.As financial services and products increase consistently,it is necessary to improve financial consumers’ basic understanding and protect their legitimate rights and interests,ensuring the prosperity of financial market.Based on literature at home and abroad,this thesis evaluates the effectiveness of Xinyang’s protection and education programs for financial consumers through case studies,and questionnaire investigations.First,from the perspective of consumers,this thesis compares consumers with financial consumers by studying their relevance and disparities.Besides,it explains financial consumers’ rights and interest protection theoretically with theories including information asymmetry,financial supervision "double peak" and "herding effect".Second,it analyzes the current situation of financial consumers’ rights and interests in Xinyang City.Results reveal that 1)local protections for financial consumers’ rights and interests are still at the very beginning stage;2)to make supervision work properly,the requirements are rising sharply;3)it is normal to propagandize financial knowledge to the public;4)the financial service system in rural areas is gradually improved,and 5)the breadth and depth of financial universal education are continuously extended.Furthermore,this study evaluates the effectiveness of financial education in Xinyang City with 211 valid questionnaires collected though face-to face interviews.The result of survey shows that,1)urban residents are significantly different from the rural residents in Xinyang.Particularly,a small number of financial consumers have not received any financial education;2)the basic financial knowledge is not yet available for all financial consumers;3)currently the implements of education programs are hard to make the knowledge of financial consumers’ rights and interest protection accessible to the general public effectively;4)financial consumers’ satisfaction to the protection of their rights needs to be further improved;5)some financial consumers lack basic understandings of financial management,manage their assets poorly,and do not have sufficient financial skills and knowledge.Last but not least,this study provides helpful advices to strengthen local protection to consumers’ rights and interests,including improving the financial education to rural residents,popularizing the basic financial knowledge in the whole society,optimizing financial education means,promoting supervision of the local protection for financial consumers’ rights and interests,maintaining the financial and business education of financial consumers,and enhancing the transformation of financial education to the real protection of consumers’ rights and interests.更多还原