The necessity of assessing the protection of financial consume's legal right's environment and its basic approach

• 1、Research center of finanical management,Hunan University,Changsha 410079

Abstract：.Financial crisis rasied concerned about the protection of financial consumer's legal rights. The typical examples, such as the boom and crash of the stock market which may partly arise from the speculative fund financed through OTC and the Bofeng fraud event, suggest it's indispensable to solve the problem of the protection of financial consumer's legal rights for maintaining the financial system's stability and guarding against the systemic risk, so it's necessary for our authorities to establish the assessment mechanism for financial consumer's legal rights.The should incorporate the protection of financial consumer's legal rights into the framework of macro-prudential management and build the mechanism, which led by the People's Bank of China, to assess the environment of the protection of financial consumer's legal rights. We can promote the protection of financial consumer's legal rights' construction by making use of assessment's strategy. Finding problem in the process of assessment, applying the mechanism of incentive and restraint to promote the construction through assessment, it can gradually achieve the phased goal by launching the annual assessment.

Keywords： the protection of financial consumer's legal rights systemic risk macro-prudential management