价值的平衡：论欧盟银行一体化中消费者保护政策的发展

Balance:Consumer Protection and European Banking Integration

在已过去的将近50年间,欧洲关于消费者保护和银行这两个领域的立法都发生了巨大的变化。并且,这两个领域或者通过立法或者通过法院判例在经常地相互影响。尤其是欧盟,其消费者保护的政策和立法对银行监管削度产生了非常重要的影响。本文对欧盟的共同体机构如何运用消费者保护的政策来影响银行一体化立法的历程和所取得的成果进行详尽的分析,希望能够引起对国际金融监管中的新走向——消费者保护的高度重视。

The law concerning consumer protection and banking has changed dramatically in Europe over the last fifty years. These two areas have often interacted with each other, either through the action of legislative bodies or decisions. In particular, both European Community consumer protection policy and legislation have had a significant impact on banking legislation. This article will examine the means by which community institutions have used consumer protection policy to affect banking legislation and the results obtained.