构建基于消费者-金融产品关系生命周期的金融消费者保护体系

Constructing a Financial Consumer Protection System Based on the Lifecycle of the Relationship Between Customers and Financial Products

构建完善的金融消费者保护体系,应基于消费者-金融产品关系生命周期,探析金融消费者权益遭受侵害的根源,通过定期开展全国金融知识普查及金融消费者权益侵害调查、推进我国金融消费者权益保护法制建设、逐步完善多元化的金融消费纠纷解决机制、设计实施旨在减少消费者行为偏差的信息披露制度、建立多层次的金融消费者教育体系、规范金融机构经营行为及从消费者利益出发促进有效竞争等措施,多措并举、有机结合、突出协同,以有效捍卫金融消费者权益。

The establishment of a perfect financial consumer protection system should be based on the lifecycle of the relationship between customers and financial products. By exploring the root cause for financial consumers＇ interests being infringed, conducting surveys on the dissemination rate of financial knowledge and the infringement of financial consumers＇ interests across the country, legal construction of financial consumers＇ interest protection will he boosted, and a diversified solution mechanism for financial consumption disputes will be gradually perfected. Such measures as the design and implementation of information disclosure system aiming at reducing consumer behavior biases, establishment of multi-level financial consumer education system, regulation on the operation of financial institutions and promotion of effective competition for consumer interests protection are to be taken simultaneously with coordination in a combined manner for the ultimate goal of safeguarding financial consumers＇ interests.