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دانلود رایکان مقاله انگلیسی ISI با موضوع رابطه بین اختلافات مالی و سواد مالی

عنوان فارسی مقاله:

رابطه بین اختلافات مالی و سواد مالی

عنوان انگلیسی مقاله:

The relationship between financial disputes and financial literacy

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بخشی از مقاله انگلیسی :

1. Introduction

In practice, the providers of financial products and services show a more in-depth understanding of a given product and service in comparison to purchasers. As a result, information asymmetry leads such consumers to be in a less favorable position toward providers. Taking the structured notes default during the 2007 subprime crisis as an example, with the relevant financial supervisory body not properly regulating the market, the damage caused to investors could not be fairly identified in loss claims. This example revealed the conflict of interests between banks and consumers. After the financial crisis in 2008, financial consumer protection became a critical concern for financial supervision agencies around the world.1 For example, the creation of the Consumer Financial Protection Bureau (CFPB) was authorized by the Dodd–Frank Wall Street Reform and Consumer Protection Act, whose passage in 2010 was a legislative response to the financial crisis of 2007–2008. The CFPB is an independent agency of the United States government, responsible for consumer protection in the financial sector.