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1、AbstractWiththedevelopmentofourfinancialindustry,moreandmorecategoriesof
financialproductsandservicescomeoutinthemarket.Tosatisfytheirdiversified
consumerdemand,alotofpeoplebegintobuytheinnovativeproductsprovidedby
financialinstitutions.Comparedwithtraditionalconsu
2、mption,financialconsumption
isakindofconsumerprofilewithhighergradationandlevelwhichendows
consumers’righttoinformationnewcharacteristics.Firstly,astheobjectoffinancial
consumers’righttoinformation,financialproductinformationissocomplicatedthat
theproblemofasymmetr
3、icinformationinthefieldoffinancialconsumptionbecomes
moreserious.Secondly,asoneofthesubjectofadutyoffinancialconsumers’rightto
information,financialinstitutionsareinthemonopolysituation.Onthecontrary,as
thesubjectoftheright,financialconsumersareinavulnerablepositio
4、n,whichmakes
legalstatusbetweenvendorandpurchasermoreunequal.Thesecharacteristicsrepresentbyconsumers’righttoinformationinthefiledof
financialconsumptionbringnewchallengestotheprotectionoftheright.InChina,
thecasesofviolatingconsumers’righttoinformationinthefinanci
5、alfiledhappens
frequentlyinreallifeanditreflectsthattherearealotofdisadvantagesonthe
protectionoffinancialconsumers.Mainlyreflectin:A,thestandardofinformation
disclosureshouldbeimprovedandthereisnoeffectivestatuteonthedegenerationof
financialinstitutions.B,thecurre
6、ntsupervisionmechanismmayleadtheemergence
ofregulatorygapandsupervisionoverlapping,thesupervisoryboarddoesn’tshoulder
moreresponsibilityofeducatingfinancialconsumersandthereisnospecialized
protectionmechanismonfinancialconsumers.C,financialconsumerscannotgive
proof
7、easilyinthejudicialproceedingandthereisnothemechanismofsmallclaims.
Tostrengthenthelegalprotectionofourfinancialconsumers’rightto
information,weshouldestablishthefundamentalprinciplesofgradientprotection,
generalprotectionandappropriateprotection.Thendrawingontheex
8、perienceof
externalexistingrelatedsystemandputforwardspecificperfectmeasuresinthe
followingthreeaspects.Thefirstly,intheaspectoflegislation,wesho
