金融消费者的权益保护路径

在金融市场发展迅速的今天,传统的消费保护理念与制度没有为金融消费者权益提供充分的保障。次贷危机前后美国金融消费者保护格局发生了根本变化,参考美国的做法,我国应确立金融消费者保护是金融监管的目标,确立宏观审慎为金融监管的原则,并针对我国金融法律法规在消费者权益保护方面的不足,完善金融法并加强金融监管。

The Path of Financial Consumer Protection

With the rapid development and system does not provide adequate of financial markets nowadays, the traditional concept of consumer protection safeguards for financial consumers. Before and after the subprime crisis, a fun- damental change has taken place in the protection pattern of U. S. financial consumer. With the reference to the practice of the U. S. , we should make clear that the financial consumer protection is the objective of financial regu- lation and being macro - prudential is the principle of financial supervision, and improve financial law and strength- en financial supervision against the deficiencies of financial laws and regulations in consumer protection in China.