摘要
2008年爆发的金融危机引发了世界各国对金融消费者保护问题的关注。金融产品或服务的消费特点使消费者需要得到更专业和更细致的监管保护,这对监管机构的组织体制和职能建设提出了更高的要求。当前对金融消费者保护体制主要有分业管理、综合管理和专门管理三种模式,借鉴金融发达国家经验,我国可以选择在分业监管部门内设机构的方案,同时加强金融知识的普及和教育,待基本保护职能较为完善、经验相对成熟后通过专门立法实现金融消费者保护体制的专门管理模式。
Financial crisis triggered attention to consumer financial protection over the world. The features of current financial consuming market indicate that the consumers need more protection than in the past. The corresponding regulating authorities and functions shall be the base of the whole legal framework. In this respect, Canada and USA take its place in front ranks of the world. Both Canada ＆ USA established specialized legislatures and executive organizations, and put the financial literacy as priority. These are good experiences deserving our attention.
出处
《法学杂志》
CSSCI
北大核心
2012年第5期66-72,共7页
Law Science Magazine
关键词
金融消费者
体制
金融素养
consumer financial protection organization and system basic function
