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由金融产品创新而产生的金融消费者权益保护方面的问题,主要有:对新产品内容和功能的理解存在差异而导致的查询与争议;金融创新产品管理或业务差错产生的消费者利益受侵害问题;消费者使用新产品和接受服务过程中产生的服务问题等。加强和改进金融消费者权益保护的措施建议:在金融创新产品全流程管理中强化消费者权益保护意识;改进金融创新产品的管理机制,加强内外联动的监督和管理;完善相关法律和制度规定,强化司法保护的作用。
The financial consumer’s rights and interests arising from the financial product innovation are mainly concerned with the inquiries and disputes caused by the differences in the understanding of the new product’s content and functions. The consumers’ interests arising from financial innovation product management or business mistakes are infringed Problems; service problems arising from consumers’ use of new products and services; Measures to strengthen and improve the protection of the rights and interests of financial consumers Suggestions: Strengthen consumer rights protection awareness in the whole process of financial innovation products; improve the management mechanism of financial innovation products, strengthen the supervision and management of internal and external linkage; improve relevant laws and regulations, Strengthen the role of judicial protection.