金融危机后英国金融消费者保护机制的演变及对我国的启示

Post-crisis Financial Reform:the UK Financial Consumer Protection Mechanism and Its Impact on China

英国是在金融消费者权益保护方面最具代表性的国家。早在2000年颁布的《金融服务与市场法》中,英国的金融消费者权益保障体系就已确立。监管当局充分认识到消费者权益保障与维持金融市场的国际竞争地位的整体利益息息相关,要求FSA(Financial Service Authority)负责保障消费者,推行消费者教育,加深公众对金融体系的认识,以及确保消费者获得适当保障。后金融危机时代,英国金融系统在遭受重创后,监管当局在保持原有监管模式下加大金融服务局的监管权力,完善监管机制,加强消费者赔偿制度的建设,巩固风险防范措施等等,这些改革措施均以对金融消费者的保护为落脚点,试图对现有金融监管体系进行重建。我国金融消费者保护机制可以充分借鉴英国的经验,比如完善监管结构框架,加强金融消费者保护的相关立法,构建纠纷处理机制,提高信息披露水平,培养行业组织的媒介作用,等。

The UK financial consumer protection mechanism represents the world's most advanced consumer protection system. Back to the 2000, when the Financial Serviced and Markets Act was promulgated, the regulatory authorities were fully aware of consumer protection and maintaining the competitive position of the international financial market is closely related to the overall interests. Therefore, FSA is responsible for consumer protection and consumer education in order to enhance public understanding of the financial system and ensure that consumers are properly protected. Post-crisis era, the UK suffered heavy losses in the financial system, the regulatory authorities intended to increase the regulatory powers of the Financial Services Authority, and improve monitoring mechanisms to strengthen consumer compensation system to build, consolidate risk prevention measures, etc. These reforms are aimed at financial consumer protection and trying to rebuild the existing financial regulatory system. This article discusses the financial crisis, the Financial Consumer Protection before and after the regulatory system, tries to improve our financial consumer protection mechanisms though relevant proposals on this analytical basis,.