美国2009年《个人消费者金融保护署法案》及其对我国金融监管法制的启示

为应对金融危机，保护金融消费者利益，加强对金融机构的监管，预防金融系统性风险的发生，奥巴马政府酝酿对美国金融监管体系进行彻底改革，其改革方案的核心就是设立个人消费者金融保护署。对于金融监管法律存在诸多缺陷、金融消费者权利保障不到位以及没有构建应对系统性风险的我国金融法律制度来说，美国2009年《个人消费者金融保护署法案》在金融消费者权利保护及存在系统性风险金融产品及服务监管方面是一个可以借鉴的“他山之石”。

The US CFPA Act of 2009 and Its Revelation to China's Financial Supervision Legal System

In order to cope with the financial crisis, protect the interests of consumers, strengthen the supervision of financial institutions, and prevent financial systemic risk, the Obama government has been brewing an overall reform on the U. S. financial supervision system, the core of which is to establish the Consumer Financial Protection Agency （CFPA）. As to China＇s financial supervision legal system, there are too many defects in its financial supervision laws, i. e. , the poor protection of financial consumer rights and no healthy financial legal system to deal with the systematic risks, and the US CFPA Act of 2009 is a fine reference for the improvement of China＇s financial supervision legal system such as the protection of financial consumer rights and the supervision of financial products and services with systemic risks.