摘要
为保护金融消费者的利益,澳大利亚成立了金融服务督察机构。金融督察服务机构的独立裁判人员为不能直接与金融服务提供者解决纠纷的消费者和小企业提供免费、公平和易得的争议解决途径。这一外部的争议解决途径作为一个法院程序的替代性解决方案,是建立在金融服务提供者参与的基础之上,能通过协商和让步解决争议。金融督察服务机构的独立争议解决程序涵盖银行、信用、贷款、财务规划、投资、股票经纪、基金管理、集合退休金信托等金融服务领域里的消费者投诉。借鉴澳大利亚的经验,我国应在金融法中引入"消费者"的概念,成立我国的金融服务督察机构。
To protect the interests of consumers, Australia established Financial Ombudsman Service （FOS）. The independent umpires of FOS provide free, fair and accessible dispute resolution for consumers and small businesses that fail to resolve disputes directly with their financial service providers. As an alternative to court procedure, this external dispute resolution is based on the involvement of financial service providers and can help to resolve disputes through negotiation and conciliation. The independent dispute resolution procedure of FOS covers consumers＇ complaints in financial service fields such as banking, credit, loans, financial planning, investment, stock broking; fund management and pooled superannuation trusts. Drawing the experience of Australia, China should introduce the concept of ＂consumer＂ in the financial law and establish Financial Ombudsman Service.
出处
《金融论坛》
CSSCI
北大核心
2009年第7期33-37,共5页
Finance Forum
关键词
金融督察服务
消费者
金融消费者
非诉讼纠纷解决机制
金融法
financial ombudsman service
consumer
financial consumer
non-lawsuit dispute resolution mechanism
the financial law
