加拿大金融消费者权益保护及其对我国的启示

Financial Customer Right Protection in Canada and its Implications to China

次贷危机引发的金融危机充分暴露出金融产品销售不当,特别是金融欺诈和滥用对公众投资者利益造成的侵害,也反映出监管当局在保护消费者利益方面存在的缺陷。次贷危机后,各国监管当局普遍意识到,只关注金融机构的利益诉求而忽视对消费者利益的切实保护,会破坏金融业赖以发展的基础,影响到金融体系的稳定性。因此,加强金融消费者保护,应当成为后金融危机时期各国和各地区金融监管当局反思和改革的重要内容。本文主要介绍加拿大在金融消费者权益保护方面的主要做法,并提出完善我国金融消费保护的有关建议。

The financial crisis triggered by subprime crisis exposes the inappropriate selling of financial products, particularly the impact of financial fraud and abuse on the interests of public investors, and reflects the gaps in protecting consumers＇ interests by the regulatory authorities. In the wake of subprime crisis, the regulatory authorities of all countries recognize that focusing exclusively on the interests of financial institutions but ignoring the protection of consumers＇ interests will undermine the basis on which the financial industry builds and affect the stability of financial system. Therefore, strengthening financial consumer protection becomes an impor- tant task for all financial regulatory authorities. The paper mainly introduces the practice of financial consumer right protection in Canada and its implications to China in this field.