再论金融消费者的保护——美国后危机时代金融监管模式的反思  

Rethinking on Protection of Financial Consumer——Reflections on American Financial Supervision Mode during Post-Crisis Era

作　　者：冯雨[1] 

机构地区：[1]华东政法大学法律学院,上海200042

出　　处：《湖北工业职业技术学院学报》2016年第2期46-51,共6页Journal of Hubei Industrial Polytechnic

基　　金：华东政法大学2016年度研究生学术研究项目"民刑交叉案件的法律适用原理研究"(2016-4-006)阶段性成果

摘　　要：自次贷危机爆发以来,学界对于迫切需要保护金融消费者权益这一话题已达成了共识。随着我国新修《消费者权益保护法》的出台,学者在后危机时代下对这一问题的探讨却逐渐销声匿迹。唯有把握金融消费者角色嬗变背后的原因才能明晰金融消费者这一概念的特殊性。而对于美国金融消费者保护的监管模式问题也是探讨本问题的重中之重,故而运用于美国后危机时代的泰勒"双峰模式"在当下依然具备反思价值。因此,在该背景下探究金融消费者内涵的界定、金融监控机制的完善、金融消费者支持路径等问题,有利于实现法律的正确适用,保障金融活动安全、有序地进行。Since the financial crisis happened a few years ago,it is urgent to reach a consensus on the protection of financial consumer＇s rights. With the publication of China＇s newly revised ＂The Protection of Consumers＇ Rights＂,discussion on this issue has gradually disappeared in the post-crisis era. Only by grasping the reasons of the roles evolution can we understand the property of the financial consumers clearly. It is also significant to reflect on the American financial consumer protection supervision mode.Therefore,Taylor＇s ＂twin peaks＂ mode must be taken to explore the definition of the financial consumer,the perfection of financial monitoring mechanism and the support path,and only in this way can we apply the law correctly,safeguard the safe and orderly financial activities.

关 键 词：金融消费者 泰勒“双峰”模式 美国后危机时代 

分 类 号：D923.8[政治法律—民商法学]