金融消费者权益保护面临的困境及对策研究——基于489份判决书的分析

Research on the Dilemma and Countermeasures of Financial Consumer Protection—Analysis Based on 489 Judgements

摘要: 金融消费者权益保护是一项具体细微的法律工程，事关居民财产安全等切身利益。虽然我国数字金融正在历经快速发展阶段并具有良好的发展前景，但在金融消费者权益保护方面还存在多种问题。本文从中国裁判文书网1990年到2023年关于金融委托理财合同纠纷的判决书中提取数据，对金融消费者权益保护所面临的困境、争议发生的问题类型及原因进行实证分析，并就如何保护金融消费者和如何提高金融消费者的金融素养等问题提出改进的建议。

Abstract: The protection of financial consumers’ rights and interests is a specific and subtle legal project, which is related to the vital interests of residents’ property safety. Although China’s digital finance is undergoing a rapid development stage and has a good development prospect, there are still many problems in the protection of financial consumers’ rights and interests. This paper extracts data from the judgments on financial entrusted financial contract disputes from 1990 to 2023 of China Judgment Document Network, and makes an empirical analysis of the difficulties faced by the protection of financial consumers’ rights and interests, the types of disputes and the causes, and puts forward suggestions on how to protect financial consumers and how to improve the financial literacy of financial consumers.