金融消费者保护散论

On the Protection of Financial Consumers

发达国家的金融法治实践表明,保护金融消费者是金融市场得以健康发展的重要保障。我国应遵循这一新型金融监管理念,在正确选择立法模式的基础上,合理界定金融消费者、建立专门保护机构和便捷投诉机制、对金融机构课以信息披露义务等,以回应金融风险乃至金融危机的挑战。

The practice of financial law in the developed countries demonstrates that the protection of financial consumers is an indispensable guarantee for the sound development of the financial market. This new idea of financial regulation should be followed in China as well to reduce the financial risk and face the chal- lenge of financial crisis. Thus, based on a correct legislative mode, the financial consumers require to be reasonably defined, special protective organizations and convenient complaint mechanism to be built up and financial institutions to be disclosed.