美国社区金融消费者权益保护实践及对我国的启示

The Consumer Financial Protection Practices in USA’s Communities and Their Enlightenments to China

美国消费者金融保护局通过一系列法律法规,保护借款人的权益,帮助消费者防范互联网金融风险,维护金融消费者的银行卡业务权益,保证金融消费者信用记录的完善,发展各方参加的"社区事务项目",将金融运行和维权知识引入国民教育体系,对我国开展金融消费者权益保护有重要启示。我国应加强金融维权的法律法规建设,避免放款行垄断,组建和实施"社区金融服务委员会",提升对征信系统的认知和运用意识,把金融知识和维权方法引入中小学教育。

The Consumer Financial Protection Bureau of Federal Reserve Board of America had enacted and implemented a serial of laws and decrees to protect borrowers’ interests, help consumers prevent the internet finance risks, maintain finance consumers’ fair rights of using cards, prevent finance consumers from incomplete credit records, conduct the multiple-lateral Community Affairs Programs, introduce the financial operation and its interests protection knowledge into the national education system, that bring about the important enlightenments for China’s implementing finance consumers’ interests protection and preservation. Our country should emphasize on the finance consumer protection law and decree system building;avoiding the lending banks’ monopoly;organizing and empowering Community Finance Service Committees;lifting the level of financial consumer’s recognition and applying sense about Credit Investigation system;leading the financial knowledge together with finance consumer protection methods into the primary and middle schools.