关于金融消费纠纷领域引入行政调解机制的思考

Reflections on the Introduction of Administrative Mediation Mechanism into the Area of Financial Consumption Disputes

伴随着金融创新带来的金融产品和服务的日益复杂化、专业化,金融消费纠纷日趋增多,货币与监管当局对金融消费权益保护也日趋重视,加快金融消费纠纷的解决成为当务之急。当前我国的金融消费纠纷解决方式难以满足金融消费者的需求。因此,在纠纷解决过程中引入行政调解机制,构建多元化的金融消费纠纷解决机制,以满足金融消费者需求、加强金融消费权益保护尤为重要。

As the financial products and services brought by the financial innovation get increasingly complicated and professional, the financial consumption disputes increases rapidly. The monetary and supervision departments pays more and more attention to the protection of financial consumption rights and the top priority is to come up with solu- tions to financial consumption disputes. Therefore, it is especially important to introduce the administrative mediation mechanism into the settlement of disputes, construct a diversified financial consumption disputes settlement mecha- nism to meet the demand of financial consumers and strengthen the orotection of financial consumption rights.