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代表金融民主化和普惠金融趋势的互联网金融近年来在中国发展迅速,网络支付、网络证券、网络银行、网络基金、网络保险等等互联网金融交易,在改变人们生活方式的同时,也伴随着侵害互联网金融消费者权益的事件频繁发生。明确互联网金融消费者的法律界定,制定专门立法保护互联网金融消费者权益以及指定具体监管机构和统一监管规则,应为中国互联网金融消费者的权益得以获得法律保护的有效路径。
Internet finance, which represents the trend of financial democratization and inclusive finance, has developed rapidly in China in recent years. Internet financial transactions such as online payment, online securities, internet banking, online funds, online insurance and the like have been accompanied by changes in people’s lifestyles Infringement of Internet financial consumer rights and interests of the incident occurred frequently. Clear legal definition of Internet financial consumers, the development of special legislation to protect the rights and interests of consumers of Internet finance, as well as the appointment of specific regulatory agencies and uniform regulatory rules, should be China’s Internet financial consumers legal access to effective protection of the path.