移动支付下银行消费者法律保护简析

支付宝、微信等移动互联方式带来了支付方式的改变,但是银行消费依然占有重要的地位,特别是一些大额的消费,其对世界经济的影响仍然很大。当前我国经济处于深化改革期,对银行消费者合法权益的维护十分必要。我国银行消费者法律保护出现了诸多问题,如信息安全权被银行掌控、消费者与银行之间的信息不对称、格式合同的运用使其丧失话语权等。因此,应从立法体系、保护机构、司法救济方面着手,对我国银行消费者进行细致、完善、周到、切实的法律保护。

A Brief Analysis of the Legal Protection of Bank Consumers under Mobile Payment

The mobile Internet mode such as Alipay and WeChat has brought about a change in the way of payment.But bank consumption still plays an important role,especially some large consumption,which has a great impact on the world economy.At present,China's economy is in the period of deepening reform,which is very necessary to protect the legitimate rights and interests of bank consumers.There are many problems in the legal protection of bank consumers in China,such as the control of the right of information security by banks,the information asymmetry between consumers and banks,and the loss of the right of speech due to the use of format contracts.Therefore,we should start from the aspects of legislation system,protection organization and judicial relief to carry out detailed,perfect,thoughtful and practical legal protection for bank consumers in China.