英国FOS制度及其对我国的启示

发布时间：2018-08-05 14:24

【摘要】：英国有着较为成熟的金融实践体系,民众的金融素质相对较高,在金融监管方面比较注重自律的同时也有强制性监管。英国不仅重视对金融消费者权益的实体法保护,而且建立了金融消费者权益纠纷的特殊解决机制(即FOS制度)。较之于诉讼和仲裁,FOS制度具有无偿性、便捷性、高效性和专业性的特点,能最大限度地满足金融消费者权益纠纷解决的特殊要求。随着我国金融市场的发展,金融消费者权益保护问题日益突出。但是,我国目前尚未建立起金融消费者权益纠纷解决的特殊机制。因此,借鉴英国的FOS制度,构建一个适合我国国情的金融消费者权益纠纷特殊解决机制,不仅是保护金融消费者权益的客观需要,也是我国金融市场健康稳定发展的客观需要。鉴于中国国情,金融消费者权益纠纷特殊解决机制的构建应该采取政府主导的模式,在组织形式上也不宜采取公司制,而应该定位为事业单位法人。
[Abstract]:Britain has a more mature financial practice system, the financial quality of the people is relatively high, in financial supervision, pay more attention to self-discipline, but also mandatory supervision. Britain not only attaches importance to the protection of financial consumers' rights and interests by substantive law, but also establishes a special mechanism (FOS system) for resolving disputes over financial consumers' rights and interests. Compared with the litigation and arbitration FOS system, FOS system has the characteristics of free, convenient, efficient and professional, and can meet the special requirements of financial consumers' rights and interests dispute resolution to the maximum extent. With the development of financial market, the protection of financial consumers' rights and interests is becoming more and more prominent. However, China has not yet established a special mechanism for resolving financial consumer rights and interests disputes. Therefore, it is not only the objective need to protect the rights and interests of financial consumers, but also the objective need of the healthy and stable development of our financial market to construct a special settlement mechanism of financial consumers' rights and interests, which is suitable for the situation of our country. In view of China's national conditions, the construction of a special settlement mechanism for financial consumers' rights and interests should be based on a government-led model and a corporate system should not be adopted in the organizational form, but should be positioned as a legal person of a public institution.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D923.8;D922.28;D956.1

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