金融消费者保护法律制度的性质及其设计原则  

Research on the Characteristics of Financial Consumers Protection Law and its Design Principles

作　　者：孙莉[1] 

机构地区：[1]山东财经大学金融学院,山东济南250014

出　　处：《兰州商学院学报》2013年第3期120-126,共7页Journal of Lanzhou Commercial College

基　　金：国家社科基金项目"新股发行风险信息披露的多维分析研究"(11BJY139)的阶段性成果

摘　　要：中国人民银行提出,"十二五"期间金融法制工作主要任务之一是,研究建立符合中国国情的金融消费者保护法律制度。金融消费者是金融体系的重要参与者,金融消费者保护法律制度的实施,就是通过保护金融消费者产权、降低不确定性从而促进金融体系资源配置功能的发挥。金融消费者保护法律制度在设计上,应遵循成本—收益比较原则,即对金融消费者保护的有效性,应通过降低制度的实施成本来实现。同时,健全的金融市场环境也是金融消费者保护实施效果的保障。The people＇ s Bank of China pointed out that one of the main law construction tasks during the 12 - th Five Year Plan is constructing law of financial consumers protection which accord with China＇ s national conditions. Financial consumers are important participators of the financial system, and the nature of financial consumers protection can promote the resource allocation function of financial system by protecting financial consumers＇ property right , and so to reduce the uncertainty. It＇ s design should follow the principle of cost - benefit comparison. The efficient enforcement of this institution should based on reducing the cost of enforcement. Simultaneously, a full developed financial market can ensoure the efficient enforcement of the law.

关 键 词：金融消费者 法律制度 金融体系 资源配置 

分 类 号：DF438[政治法律—经济法学]