金融消费者权益保护问题探析

An Analysis of the Protection of Financial Consumer's Rights and Interests

目前,中国对金融消费者保护尚未形成普遍共识,金融消费者保护法制建设相对滞后,还没有一部专门针对金融产品、服务与消费者权益保护问题的系统性法律,商业银行等金融机构缺乏消费者保护内在机制,尚未就金融消费者权益保护构建专门的体制、机制,消费者与金融机构之间信息不对称,金融消费者缺乏必要的金融知识,消费者投诉处理机制不健全。商业银行应该健全消费者权益保护机制,推动立法及监管部门完善相关法律制度,加强消费者信息安全保护工作,改进客户投诉管理工作,完善适当投资者评估机制,境外机构应遵循当地监管规定。

At present, a general consensus on the protection of financial consumer’s rights and interests has not yet formed in China. The legal construction for the protection of financial consumer’s rights and interests is lagged behind and there is not a systemic law relating to financial products, services and the protection of financial consumer’s rights and interests. Commercial banks and other financial institutions lack the inherent mechanism to protect consumer and have not built special system and mechanism to protect financial consumer’s rights and interests. There is asymmetric information between consumers and financial institutions. Financial consumers lack necessary financial knowledge. The mechanism to handle consumer’s complaints is not perfect. Commercial banks should improve the mechanism to protect consumer’s rights and interests, promote legislative and regulatory authorities to improve the relevant legal system, strengthen the protection of consumer’s information security, improve the management of customer’s complaints, improve the mechanism to assess appropriate investors and overseas institutions should follow the local regulatory requirements.