从监管到治理:构建金融消费者“大消保”的法治工作新格局  

From Supervision to Governance:Building a New Legal Framework of Financial“Big Consumer Protection”

作　　者：郭雳[1] 唐峰 GUO Li;TANG Feng(School of Law,Peking University,Beijing 100871,China)

机构地区：[1]北京大学法学院,北京100871

出　　处：《商业经济与管理》2025年第3期82-93,共12页Journal of Business Economics

基　　金：国家社会科学基金重大项目“我国资本市场制度型开放的法律体系构建研究”(22&ZD204)。

摘　　要：伴随国家机构改革,金融消费者保护体制步入构建“大消保”格局新阶段,要求构建全覆盖、高水平的金融消保体制机制,体现金融工作的政治性、人民性。然而,消保私法体制的滞后性和消保监管体制的适应性不足造成不小困难。究其原因,金融消费者保护制度的定位偏差模糊了其在金融增长和金融共享上的正当性,导致制度效能局限于金融风险防范。故有必要重构金融消保制度的多功能定位,从被动式社会矫治迈向主动式环境建构,以生态化治理模式理顺金融消保法治水平的提升进路。从责任共同体构建、主要生态位纪律和扩展生态位法律的设定以及二者间的共演共进机制等方面,实现适配“大消保”格局的金融消保法治优化。With reform of the national institutional structure,the financial consumer protection system's evolution is heading towards such a new era of“big consumer protection”pattern that requires full coverage and a new high level of protection of financial consumers,which reflect the political and people-oriented nature of financial governance.However,the lagging private law and insufficiently adaptable supervision of consumer protection have led to difficulties.It is because deviation in the positioning of the financial consumer protection system has blurred its legitimacy in terms of financial growth and sharing,resulting in the system's effectiveness being limited to financial risk prevention.Therefore,it is necessary to reconstruct the multi-functions of such a system,moving from passive social correction to active environmental construction,and improving financial consumer protection within an ecological governance model.The construction of a community of responsibility,the setting of major niche disciplines and extended niche laws,and the mechanism for co-evolution and co-development between the two will achieve optimization of the legal system for financial consumer protection that is adapted to the“big consumer protection”landscape.

关 键 词：金融消费者法 “大消保” 人民性 生态化治理模式 

分 类 号：D922.28[政治法律—经济法学]