我国金融消费者权益保护路径探析——兼论对美国金融监管改革中金融消费者保护的借鉴  

Ways of Protection of Financial Consumers in China:From the Angle of the Experience of USA

作　　者：刘迎霜[1] 

机构地区：[1]上海社会科学院法学研究所,上海200020

出　　处：《现代法学》2011年第3期91-98,共8页Modern Law Science

基　　金：2009年度国家社会科学基金重大项目"深化金融体制改革"(09&ZD030);第3批中国博士后科学基金特别资助课题"公司债信托法律问题研究"(201003231)

摘　　要：金融消费者保护成为我国金融市场中一个应该关注的问题。美国金融危机后的金融监管改革将金融消费者保护提到前所未有的高度,其对金融消费者保护的改革措施值得我国借鉴。我们应准确界定我国"金融消费者"的范畴。我国金融消费者保护路径应当是:将金融消费者保护确立为金融监管的基本职责,以《消费者权益保护法》为基本法,但更倚重于金融法律法规。Protection of financial consumers should be a key problem in the financial market study.After financial crises,the USA government has stressed protection of financial consumers on an unprecedented scale in the process of reforming its financial regulation system,the experience of which is worthy of study.Indeed,the concept of financial consumers should be accurately demarked in accordance with China’s own conditions.The guiding thought is to take protection of financial consumers as the primary function of financial regulation.While the Consumers Protection Act of the PRC is assumed as the basic law,financial laws and regulations should be more emphasized.

关 键 词：金融消费者 金融监管 金融监管改革 

分 类 号：DF438[政治法律—经济法学]