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“consumer protection”Class experience 2015-05-29 15:10:46
Last year, I had the honor of taking the course which is called “consumer protection”. Still now, I clearly remember the day when was a beautiful and sunny day with some soft and smooth clouds all over the blue sky. I took a shuttle train, silently took a sit, and looked at the green and verdant view of rice paddy outside the window passing by. With my good and peaceful mood, I looked forward to go to Civil Service Development Institute Tainan City Government (CSDITN) which is located in Southern Taiwan University of Science and Technology to go to this class. I always very expect to attend different classes here. That is because it can remind me my innocent and easy life to learn many kind of knowledge when I was just a student few years ago.

As a learner in this course, the teacher was very kind, patient and specialized to tell us a lot of useful information of consumer protection. The information is very valuable to make us a better life. The teacher used interesting way to let us realize the value of consumer protection. In the economic world, there are producers and consumers. However, no matter what, everyone has the chance to be the consumer. That is because it is impossible for a person produce all the things he needs in his life. As a result, there are business transactions. When making business transactions, people will come across some disagreement. Therefore, the government puts its power, which is named “invisible hand” by economists, to deal with these annoying problems to make sure both of producers and consumers are satisfied in the economic world. And it is very important to let the masses catch on the contents of “consumer protection law”. Not only protecting oneself, but also making one a better life. So learning this course, consumer protection, is very important, valuable, and useful.
In addition, the teacher used many vivid examples to let us understand how to use “consumer protection law” in our daily life. Take an instance, when we stroll around the streets with our friends, someone near to and hard sell us to buy his products. We are force to buy them. Few days later, we are regretful for making this deal, and wanting to ask for returning goods. Is it legal with some laws to protect consumers’ rights? The answer definitely is “YES”! There is a law which is named “Consumer Protection Law”, which is detailed legislated by the Consumer Protection Committee. If we run into problems about consumption in our daily life, our lovely and friendly government gives us a channel of rightful legislation to ask for help.

Over and above, the financial consumer protection is for protecting our wealth. Investment is risky. Putting money into an investment market, we have opportunity to gain or loss. It can not surly be predicted. Take an example, someone is sold some financial products by the banker. Unfortunately, he suffers a sudden misfortune. Financial crisis makes a crunch all over the financial market. All the investors deprive of huge wealth. And then, he goes to the bank asking for help. But the banker says:” Investment is risky. Putting money into an investment market, we have opportunity to gain or loss. It can not surly be predicted. As a result, we do not need to give you any kind of assistance.” Is this right? The answer definitely is ”wrong”. The banker sells us financial products, of course, he still has the responsibility. When selling financial products, the banker should make sure that the investors realize the clear information about the financial products. Generally speaking, the lower return, the lower risk. In other words, the higher return, the higher risk. It is necessary for the baker clearly telling the investor the important information about the financial products, including what it may gain and what it may loss.

In order to deal with controversial issue of ordinary consumption and financial consumption, nowadays there is much kind of convenient ways, such as using website, facsimile or over-the-counter service, to let the “Consumer Protection Committee, Executive Yuan” give assistance to those consumers and investors who need assistant. If someone does not know how to use these ways, he can call the phone number “1950” or “1999” to seek for help as well. It is very friendly and fortunate that the government bears a hand for those who deal with the difficulty about consumption and investment. Therefore, next time, when we have some questions about consumption and investment in our daily life, we make use of those ways to ask the answers. In my opinion, I am so glad to participate in this interesting, useful and important course. If there is a chance, I still want to learn the course. I learned many things in this class.