摘要
自20世纪60年代金融消费者保护进入人们视野以来,在金融综合经营的大背景下,特别是在国际金融危机爆发以后,金融消费者保护呈现出:金融消费者权益保护成为金融监管改革的重要内容、横向性立法为金融消费者提供统一化保护、扩大金融安全网的适用范畴,为金融消费者提供更周全保护等趋势。我国应重视授予金融消费者保护部门对金融机构的行为监管权力,并着力构筑统一的金融产品销售规则,明确扩大金融安全网适用对象的同时建立显性的、规范化制度。
Financial consumer protection originated from 1960s. With the developing of financial mixed management, especially after the outbreak of the financial crisis in 2008, there are trends on consumer financial protection over the world： strengthening financial consumer protection became an important content of financial regulatory reform ; horizontal legislation providing unified protection ; the application of financial safety net was enlarged. For China, it is necessary to give conduct regulation power to departments of consumer financial protection, to formulate horizontal legislation about selling financial product, to enlarge the application of financial safety net.
出处
《河北法学》
CSSCI
北大核心
2014年第3期85-92,共8页
Hebei Law Science
基金
教育部人文社会科学研究规划基金项目<金融消费者权益保护研究--以金融机构的义务和民事责任为视角>(13YJA820014)
关键词
金融消费者保护
监管改革
横向性立法
安全网
financial consumer protection
regulatory reform
horizontal legislation
safety net
