后危机时代金融消费者法律保护的审视及其改进

Examination and Improvement of the Financial Consumers Legal Protection In the Post-crisis Era

金融危机后,金融消费者保护成为各国金融监管的一个重点。在我国金融业不断壮大发展的同时,存在着金融市场严重信息不对称、金融机构实质垄断、交易地位不平衡的问题,而法律制度与相关机构设置未满足实际需求,需要将树立金融消费者利益维护观念、公法与私法并济、实体法与程序法并重、建立普惠式金融消费保护体系作为金融消费者权益法律保护的实现路径,促进金融体系持续健康发展。

After the financial crisis, financial consumer protection became a focus of financial regulation. During China＇ s financial sector continue to grow and develop, there are serious problems including financial market asymmet-ric information, financial institutions monopoly, unbalanced trading position, and the legal system and institutional set-ting unfit for the actual needs＇We need to establish the awareness of financial consumers interests maintenance , en- force public and private law, both importance substantive and procedural law, establish inclusive financial consumer protection system as the implementation path of the financial consumers interests legal protection , to promote the sus-tained and healthy development of the financial system.