中国互联网金融消费者权益保护制度小考

A Brief Examination of China’s Internet Financial Consumer Rights Protection System

随着网络技术的持续升级以及网络环境的逐渐成熟，现代社会为金融产业的现代化发展和信息化发展提供了良好条件。基于此，互联网+金融的现代化发展模式正在建成与完善，并影响着人们生活和生产等方方面面。以互联网平台为载体，消费者在购买金融产品和服务时相对便捷，其交易成本较低，这充分满足了中小微企业的资金需求，刺激了市场交易，提升了交易规模，因此，互联网对金融产业的高速发展能够起到关键重要作用。不过由于互联网金融市场相对复杂存在较高风险性，目前中国对互联网金融消费者欠缺法律保护以及金融监管不够完善。互联网金融平台虚假宣传、个人信息泄露、欺诈等违法行为消费频繁发生，互联网金融消费者自身的利益和权利，不能够受到绝对保障。这些受众是该产业发展的主要参与者，是市场发展动力源泉。本文主要利用文献综述法和比较研究法，研究如何完善保护消费者权益以及维护金融市场的健康稳定发展。使消费者可以在产业发展下实现自身的利益目标，并使其利益能够得到绝对保障。最后总结出，要结合互联网产业特征，制定相关的消费者权益保护法规及建立其相关法律体系。充分借鉴和学习其他国家先进发展模式与思路，最后，结合自身发展趋势与现状，提升金融机构的监管力度。

With the continuous upgrading of network technology and the gradual maturity of network environment, modern society provides good conditions for the modernization and information development of financial industry. Based on this, the modern development model of Internet plus finance is being built and improved, and has an impact on all aspects of people's life and production. With the Internet platform as the carrier, it is relatively convenient for consumers to purchase financial products and services, and the transaction cost is low, which fully meets the capital needs of small and medium enterprises, stimulates market transactions, and increases the transaction scale. Therefore, the Internet can play a key and important role in the rapid development of the financial industry. However, due to the relatively complex and risky Internet financial market, Chinese government lacks legal protection and financial supervision for the Internet financial consumers. Illegal activities such as false publicity, personal information disclosure and fraud occur frequently on Internet financial platforms, and the interests and rights of Internet financial consumers cannot be guaranteed absolutely . These financial consumers are the main participants in the development of the industry and the driving force of market development. This paper mainly uses literature review method and comparative research method to study how to improve the protection of consumer rights and interests and maintain the healthy and stable development of the financial market. So that consumers can achieve their interests under the development of the industry, and their interests can be guaranteed absolutely .Finally, it is concluded that it is necessary to combine the characteristics of the Internet industry to formulate relevant consumer rights and interests protection laws and establish its related legal system. Chinese government Should be fully learn from advanced development models and ideas of other countries. Finally, combined with its own development trend and current situation, improve the supervision of financial institutions.