摘 要

最近20年中国互联网金融取得了巨大进步。其在业务规模和消费者群体上都有很大扩大。互联网金融的发展对国计民生无疑有巨大利益。但是任何事物都有其两面性，互联网金融也不例外。在为我们带来便利的同时，互联网金融也产生了一些问题,尤其是在消费者权益方面，本文分析了互联网金融发展历程，研究了金融消费者维权问题，并提出了一些对策。

关键词：互联网金融；消费者；权益保护；立法

Abstract

China's Internet finance has made great progress in the last 20 years. It has expanded in both business and consumer groups. The development of Internet finance is of great help to the people's livelihood. But everything has two sides, and Internet finance is no exception. While bringing convenience to us, Internet finance has also produced some problems. In particular, this paper analyzes the development of Internet finance, studies the consumer rights issue, and puts forward some countermeasures.

Key words:internet finance；consumer；Rights and interests protection；legislation

目录

1. 绪论.................................................................................................................1

1.1选题背景.........................................................................................................1

1.2研究方法与研究背景......................................................................................1

1.3国内外研究动态..............................................................................................1

1.3.1国内研究现状.........................................................................................1

1.3.2国外研究现状.........................................................................................2

第2章 我国互联网金融发展现状及特点..................................................................3

2.1概念.................................................................................................................3

2.2互联网金融优势..............................................................................................3

2.2.1无需实体店址，成本低...........................................................................3

2.2.2节省人力财力...........................................................................................4

2.2.3业务涉及面广泛.......................................................................................4

2.2.4成长速度快..............................................................................................4

2.3发展过程...........................................................................................................4

2.4发展特点...........................................................................................................5

2.4.2支付方式越来越便捷.............................................................................5

2.4.2电子商务平台得到快速发展...................................................................5

2.4.3虚拟经济进一步发展，经营风险增大...................................................5

第3章 互联网金融发展过程中消费者应享受的权利以及遇到的问题...................................................................................................................................6

3.1互联网金融中消费者应享受的权利............................................................6

3.1.1掌握信息的权利..................................................................................6

3.1.2受到安全保护的权利..........................................................................6

3.1.3平等协商的权利..................................................................................6

3.1.4学习金融知识的权利..........................................................................6

3.1.5损害求偿权..........................................................................................6

3.1.6集体申诉的权利..................................................................................6

3.2互联网金融发展过程中消费者权益保护遇到的问题..................................6

3 .2.1 互联网金融的快速发展使得维权问题变的日益复杂.....................6

3.2.1.1业务规模和消费者群体的日益壮大存在潜在风险..............7

3.2.1.2门槛低，消费者和企业质量参差不齐..................................7

3.2.1.3网络独有的特点也使得侵权事件多发..................................7

3.2.2我国互联网金融消费者权益保护跟不上时代发展的步伐...............8

3.2.2.1从监管机构视角看..................................................................8

3.2.2.2从互联网金融服务提供者角度看..........................................8

3.2.2.3从互联网金融消费者角度看有下列问题..............................9

第4章 互联网金融发展中消费者权益保护的建议................................................12

4.1从政府的角度可以从以下几方面提出措施..................................................12

4.1.1完善法制建设.................................................................................12

4.1.2建立独司其职的网络金融管理机构.............................................12 4.1.3强化消费者金融知识培训.............................................................12

4.1.4提供方便的利益维护渠道.............................................................13 4.1.5进一步利用好消费者协会的作用.................................................13

4.1.6强化农村金融建设扶持.................................................................13

4.2从互联网金融企业的角度可以有一下几点解决措施.................................................................................................................................13

4.2.1帮助消费者建立反风险观念.........................................................13

4.2.2做好售前咨询和售后服务工作.....................................................14

4.2.3设立安全的信息防护系统.............................................................14

4.3从消费者自身可以有下列方法维护自身权益........................................14

4.3.1培养自身金融素养.........................................................................14 4.3.2时刻提醒自己.................................................................................14

4.3.3警惕个人信息外泄.........................................................................14

4.3.4提高法律素养.................................................................................15