系统法学视域下的金融消费者法律保护——以结构要素分析中美制度

The Protection for Financial Consumers from a Systematic Legal Perspective——Using Structural Elements to Analyze the Regulation in US and China

在全球金融危机的影响犹在之时,对金融消费者充分保护的重要性愈来愈突显出来。本文以系统法学的视域下结构要素为切入点,审视对金融消费者的法律保护,通过讨论美国在金融消费者保护领域的制度安排及改革,反思中国当前对于金融消费者保护的不足之处,探寻保护金融消费者的有效途径。

The recent turmoil in financial markets worldwide has emphasized the importance of adequate protection for financial consumers.This paper tries to use a systematic legal perspective to take a look at the legal protection for financial consumers.Lessons learned from the US regulatory practice and reforms in financial consumer protection will be discussed.Meanwhile the current overall legal protections for financial customers in China will be reflected.By doing this the paper aims to seek the appropriate legal approaches in building a financial market that is safe for consumers.