理论突破与机制创新:英国金融消费者保护的晚近发展及其启示

发布时间：2018-04-15 00:32

本文选题：金融消费者 + 金融监管体制　；参考：《社会科学》2013年08期

【摘要】：英国的金融消费者保护制度以其综合监管体制和"大一统"的金融消费者概念为基础,特征鲜明。新近通过的《2012年金融服务法》废弃了FSA统领下的单一监管体制,代之以PRA和FCA的审慎监管和行为监管的"准双峰"模式,并将金融消费者保护的主导职责赋予了FCA。金融消费者保护制度方面的具体发展包括澄清和扩展金融消费者的概念和范围,建立消费者团体超级申诉机制,修改金融业准入门槛条件,以及强化金融监管主管部门与金融消费者专门机构之间的监管协调。从中可以看出,金融消费者的概念和范围与金融监管体制密切相关,监管协调机制对于金融消费者保护不可或缺,金融消费者团体申诉机制大有可为。
[Abstract]:British financial consumer protection system to the comprehensive supervision system and the "universal" financial consumer concept as the foundation, distinctive features. The newly adopted <2012 Financial Services Law > abandoned FSA under the command of a single regulatory system, the prudential supervision and conduct regulation of PRA and FCA of the "Shuangfeng mode", and the development of leading financial consumer protection duties with FCA. financial consumer protection system including clarify and extend the concept and scope of financial consumers, consumer groups to establish super complaint mechanism, modify the financial industry barriers to entry conditions, and strengthen supervision and coordination between the competent financial regulators and financial consumer specialized agencies. As can be seen from the concept and scope of the financial consumer, and the financial supervision system is closely related to the supervision and coordination mechanism for financial consumer protection is indispensable, financial consumption The mechanism of the group appeals is promising.

【作者单位】：中国社会科学院国际法研究所;
【分类号】：D956.1;DD912.28

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