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互联网金融消费为近些年新兴的电子化消费模式,相比传统消费模式交易手段更简约,方便快捷,节约成本,效率较高。与网络技术较快发展比较,有关立法进程缓慢,加上金融监管不健全,法律内容陈旧,使互联网金融消费者合法权益无法得到保障。此文分析互联网金融表现形式,研究互联网金融消费者界定及活动特点,针对其法律保护提出建议。
Internet financial consumption is a new electronic consumption pattern in recent years. Compared with the traditional consumption pattern, the transaction means are simpler, faster, more cost-effective and more efficient. Compared with the relatively rapid development of network technology, the slow progress of the legislative process, the imperfect financial supervision and the obsolete legal content make it impossible for the legitimate rights and interests of Internet financial consumers to be protected. This article analyzes the financial forms of the Internet, studies the definition and activities of Internet finance consumers, and puts forward suggestions on their legal protection.