金融危机反思及金融产品消费者保护

Rethinking Financial Crisis and Consumer Protection of Financial Products in China

美国在金融产品消费者保护领域有着较为完备的法律体系,但该保护体系在次贷危机中仍暴露出明显问题,金融产品消费者在危机中依然遭受了很大损失。因此,强化消费者保护被确认为美国金融监管改革的一项重要内容。本文从市场失灵和行为金融学角度剖析了金融消费者保护失效的根源,对国外金融监管体系的改革进展进行了深入研究,并结合实际提出了建设我国金融消费者保护体系的具体措施。

U. S. has a relatively complete legal system in the field of consumer financial protection. However, this system is still exposed significant problems during the period of subprime mortgage crisis. Therefore, to strengthen consumer protection are recognized as an important content in the U. S. financial regulatory reform, This paper analyzes the deficiencies of financial consumer protection system from the perspective of market failure and behavioral finance. By the study of foreign financial regulatory system reform, we propose the recommendations of financial consumer protection system considering the reality of our country.