完善我国金融消费者权益保护法律制度的思考

The Perfection of the Legal System of Financial Consumer Rights Protection in China

我国的传统金融监管更为偏重对金融机构合规监管和金融市场系统性风险的防范,而对消费者保护较为不足。本文认为:目前金融消费者权益保护法律制度还存在立法不足、权利内容不充分、救济机制不畅等缺陷,应从监管理念确立、合理选择立法模式、专项立法确权、救济机制完善等方面加以完善。

The traditional financial supervision has paid more attention to the qualification of financial institutions and the preven- tion of systematic risks of financial markets in China, and less attention to the protection of financial consumers. The paper considers that there exist drawbacks in the legal system of financial consumer rights protection such as lack of the laws, insufficient authority and unsmooth remedy mechanism. Therefore, it should be perfected from the following aspects as establishing supervision ideas, reason- ably choosing lawmaking modes, making clear the right of specific lawmaking and perfecting remedy mechanism.