论中国金融消费者权益保护制度的构建

On the Construction of Financial Consumer Rights and Interests Protection System in China

"一行三会"先后成立金融消费者权益保护局,我国对金融消费者权益保护制度的重视程度由此可见一斑。文章以此为切入点,借鉴发达国家解决金融消费纠纷的经验,对我国金融消费者权益保护制度的构建展开论述,认为我国一是在立法中引入金融消费者概念,并明确将保护金融消费者列入监管目标;二是加强对金融监管部际联席会议的制度建设,以协调"一行三会"的监管行为;三是设一专门处理金融消费纠纷的争议解决机构,并引入ADRs。

PBC ,CBRC ,CSRC and CIRC established Financial Consumer Rights and Interests Pro-tection Bureau successively ,which showed the attention paid by China to the financial consumer rights and interests protection system .With this cutting point ,the paper uses the experience of developed countries in settling the financial consumption disputes as reference ,discusses the con-struction of financial consumer rights and interests protection system in China and puts forward the following three suggestions .Firstly ,the conception of financial consumers should be intro-duced into legislation and protecting financial consumers should be explicitly included into the regulatory targets .Secondly ,in order to coordirnate the regulatory behavior of PBC ,CBRC ,CSRC and CIRC ,we should strengthen the system construction of financial regulatory inter-ministerial joint conference .Thirdly ,a specialized agency should be established to deal with the financial con-sumption disputes and ADRS should be introduced .