我国金融消费纠纷多元化解决机制探讨

Research on Diversified Financial Consumer Dispute Resolution Mechanism in China

随着金融行业的快速发展,特别是金融产品和服务的不断创新,金融消费纠纷也大量产生,并趋于多样化和复杂化。主要依赖诉讼的纠纷解决模式已经不能满足专业、高效、经济、快捷解决各类金融消费纠纷的实际需要,引入调解、仲裁等多元化金融消费纠纷解决机制非常必要。本文通过介绍主要发达国家和地区金融消费纠纷解决机制的实践与经验,分析我国目前金融消费纠纷解决途径的现状及问题,并提出完善我国金融消费纠纷多元化解决机制的对策和建议。

With the rapid development of the financial industry, especially with the innovation in financial produce and services, a lot of financial consumption disputes are increasing, and tends to be complicated. The mode mainly depends on litigation to resolve financial consumption disputes can not meet the needs of profession.efficiency and economy So,it is necessary to introduce a diversified dispute resolution mechanism. This paper displays a comparative analysis of foreign financial dispute resolution mechanism,then comes up the inadequate in financial consumption dispute resolution mechanisms in China, finally, puts forward the specific recommendations to improve our diversified financial consumption disputes settlement mechanism.