金融行为监管与消费者保护研究

Research on Financial Behavior Supervision and Consumer Protection

随着我国金融监管改革的深入,金融行为监管和消费者保护受到高度重视。本文分析了引发金融行为风险的内在原因、结构原因和环境原因,指出我国要立足金融市场发展阶段,兼顾金融监管效率、成本、协同性和适度性等因素,重点解决金融行为监管体系建设相对滞后、金融消费者保护工作机制运行不畅、金融机构主体责任落实不到位和消费者金融素养有待提升问题,提出要不断健全完善金融行为监管体系,实现金融消费者全过程、持续性保护。

With the deepening reform of financial regulation in China,financial behavior supervision and con⁃sumer protection have received a high level of attention.This paper analyzes the intrinsic,structural and environ⁃mental causes of financial behavioral risks,points out that China should be based on the stage of development of the financial market,taking into account the efficiency,cost,synergy and appropriateness of financial supervision,and focuses on solving the problems of relatively lagging behind in the construction of financial behavioral supervi⁃sion system,poor functioning of the financial consumer protection mechanism,lack of implementation of the main responsibility of financial institutions,and improvement of consumers'financial literacy.It proposes to continuous⁃ly improve the financial behavioral supervision system and realize the whole process and continuous protection of financial consumers.