基于金融消费者保护视角的英国金融监管改革研究  

Research on the UK's Financial Regulatory Reform Based on Financial Consumer Protection

作　　者：高田甜[1] 陈晨[2,3] 

机构地区：[1]上海对外贸易学院WTO研究教育学院 [2]上海财经大学金融学院 [3]中国人民银行上海总部

出　　处：《经济社会体制比较》2013年第3期47-56,共10页Comparative Economic & Social Systems

基　　金：国家社科基金项目"WTO争端解决机制的证据规则研究"(项目编号:11CFX073);上海市教委;上海市教育发展基金会"晨光计划"项目(项目编号:11CG66)

摘　　要：全球金融危机后,英国进行了系统而彻底的金融监管改革,进一步强化了对金融消费者的保护。根据《2010年金融服务法案》,英国成立了消费者金融教育局,由其独立、系统、全面地开展消费者金融教育工作。根据《2012年金融服务法案》,英国正式撤销了金融服务局,将其职能分拆,由金融行为局和审慎监管局两个机构承担,从体制上实现了金融消费者保护与审慎监管职能的分离。同时,金融行为局被赋予了产品管理和干预权、产品和服务推广限制权、实施有利于市场竞争的监管政策等一系列新的权利。英国的金融监管改革对我国完善金融消费者权益保护机制具有重要的启示意义。After the global financial crisis, the UK government launched a series of systematic and thorough fi- nancial regulatory reforms, which strengthened the protection of financial consumers. The Financial Services Act 2010 established the Consumer Financial Education Agency, and authorized it to carry nut consumer finan- cial education independently, systematically and comprehensively. The Financial Services Act 2012 formally disbanded the FSA and split its functions between the Financial Conduct Authority （FCA） and the Prudential Regulation Authority （PRA）, resulting in the separation between financial consumer protection and prudential supervision in the regulatory regime. Moreover, the FCA was given new powers, such as governing and interve- ning in financial products, banning financial promotions and implementing regulatory policies conducive to market competition. The UK＇s financial regulatory reform has important implications for the improvement of the financial consumer protection mechanisms in China.

关 键 词：金融监管改革 金融消费者保护 审慎监管 

分 类 号：F831[经济管理—金融学]