我国金融消费者保护统合立法体系的构建——以日本的立法经验借鉴为视角

On Establishment of Integrated Legislation System of Chinese Financial Consumer Protection——From the Perspective of Drawing Lessons from Legislative Experience of Japan

日本自上世纪末启动新一轮"金融大爆炸"改革以来,为因应金融自由化对传统金融法制的冲击以及金融纠纷高发的现实,一方面,日本学者在消费者法和金融法相关理论的基础上,初步构建了以"金融消费者"概念为核心的金融服务法理论;另一方面,立法者也力图通过推进包括金融服务统合立法、加强消费者法与金融法的衔接等为代表的金融法制改革,以适应由投资者保护向金融消费者保护转变的潮流。我们借鉴日本在金融消费者和投资者保护问题上的理论和经验,构建具有中国特色的金融消费者保护的统合立法体系,不失为一条可行路径。

Since the new circle of ＂Financial Big Bang＂ reform launched in Japan the end of last century, Japanese professors, on one side, preliminarily established the financial service act theory that is focused on the conception of ＂Financial Consumer＂, while on the other side attempt to adapt to the transition trend from investor protection to financial protection through pushing the innovation of financial legal system characterized by integrated legislation of financial service, the strengthening of the link between Consumer Act and Financial Act and so on, concerning the impact that financial liberalization exerts to traditional financial legal system and the high-incidence of financial dispute. Therefore, establishing the integrated legislation system of financial consumer protection with Chinese character based on the theories and experience that drawn from Japanese protection towards financial consumers and investors can be regarded as a feasible path.