摘要
美国金融危机中凸显的众多金融消费者利益严重受损的事实使我们意识到,金融产品尤其是金融衍生品的复杂特性使得金融消费者比一般消费者更为弱势,需要专门的机构和立法予以特别保护。我国对金融消费者尚无准确的界定,金融消费者很难列入《消费者权益保护法》的调整范畴,其他涉及金融消费者保护的内容散见于诸多法律法规和部门规章中,可以借鉴美国金融改革的有益经验,逐步完善我国金融消费者保护法律制度。
The fact of a serious loss of many financial consumers＇ right during financial crisis makes us realize that financial consumer is weaker compared with common consumer due to the complication of financial products, especially financial derivatives. Thus, financial consumer needs special institution and legislation for protection. In China, we have no distinct concept for financial consumer, and this concept is also difficult to list on the regulatory range of the Protection Law of the Rights and Interests of Consumers. Related contents of financial consumer protection are regulated in many other laws and regulations. We can gradually improve our legal system of financial consumer protection after drawing on the experience of the financial reform in the US.
出处
《证券市场导报》
CSSCI
北大核心
2010年第2期19-26,共8页
Securities Market Herald
基金
2009年教育部人文社会科学研究一般项目(西部和边疆地区项目)"论政府证券监管权"的阶段性成果
关键词
金融危机
金融消费者
金融监管
投资者保护
Financial Crisis, Financial Customer, Financial Regulation, Investor Protection
