英国金融消费者保护立法改革的最新发展及其启示  

Latest Development and Implantations of Consumer Financial Protection Legislative Reforms in England

作　　者：李玫[1] 马建威[1] 

机构地区：[1]对外经济贸易大学,北京100029

出　　处：《国际商务（对外经济贸易大学学报）》2014年第1期43-51,共9页INTERNATIONAL BUSINESS

基　　金：对外经济贸易大学研究生科研创新基金资助

摘　　要：1986年英国开启"金融大爆炸"以来,金融消费者保护逐渐成为英国金融监管的重要目标,并因此创建了独立的金融消费者保护机构,建立了金融督察服务计划、金融服务赔偿计划并使金融监管机构之间的协调机制成为立法的重要内容。我国当前正处于经济体制改革的重要时期,金融的改革和发展将对我国经济产生重大影响。鉴于我国历来都重视通过金融监管而非直接赋予金融消费者相关救济手段实现金融消费者权益保护的目的,因此当前我国的金融消费者保护立法应努力从英国等国家吸取经验,逐步建立金融消费者权益保护法律体系,实现我国金融乃至经济的稳定健康发展。Since the outbreak of the financial ＂Big Bang＂ in England in 1986, consumer financial protection became an important objective of financial supervision for England. An independent consumer financial protection agency was thereby founded and the Financial Ombudsman Scheme and Financial Service Compensation Scheme were set up. More than that, the attempt to achieve coordination between various financial regulators became one of the focuses of legislature. Now that China is experiencing a key period of economic reform reform, the reform and development of financial system will have a great influence on China＇ s economy. Given that China always valued direct supervision of its finan- cial system over indirect remedy measures to achieve consumer financial protection, China should presently draw experiences from England and other countries whose consumer financial protection related legislation has become relatively mature, and gradually set up a legislative protection system to maintain a stable and healthy economic and financial development.

关 键 词：金融消费者保护 金融监管模式 金融督察服务 协调机制立法化 

分 类 号：D956.1[政治法律—法学] F835.61[经济管理—金融学]