我国金融申诉专员（FOS）制度的构建研究

发布时间：2018-04-13 11:47

本文选题：金融消费者 + 多元化纠纷解决机制　；参考：《广东财经大学》2015年硕士论文

【摘要】：随着我国市场经济的深入发展,社会财富与个人财富随之进一步积累,催生了日益增长的金融需求需要与满足不同层次需求的各类金融产品,金融消费者已在现代金融中扮演着重要的角色。然而,当前中国的现行立法并没有从制度上保障金融消费者的权益。特别是面对日益增多的金融机构与金融消费者之间的金融纠纷,如何快捷有效地解决纠纷,切实保护金融消费者权益的问题显得十分迫切。金融申诉专员制度是域外建立金融消费者纠纷处理机制方面的一种独特制度,在解决金融纠纷方面具有独特制度优势。因此,在我国引入该制度对于完善我国多元化纠纷解决机制,有着重要的参考借鉴意义。本文除引言和结语外,共分为四章。第一章对金融申诉专员制度的基本理论问题进行界定和分析,包括金融申诉专员制度的内涵、特征和外延的考察。第二章是对关于构建我国金融申诉专员制度的必要性和可行性问题进行研究和分析。第三章是对域外国家及地区(包括英国,澳大利亚,新加坡,台湾,香港)的金融申诉专员制度进行考究,并提出建立我国金融申诉专员制度的建议。第四章是通过学习和借鉴域外金融申诉专员制度的经验做法,结合我国的具体国情,提出了构建我国金融申诉专员制度的若干建议。
[Abstract]:With the further development of market economy in our country, social wealth and personal wealth have been further accumulated, which has given birth to increasing financial demand and various kinds of financial products to meet different levels of demand.Financial consumers have played an important role in modern finance.However, China's current legislation does not protect the rights and interests of financial consumers from the system.Especially in the face of more and more financial disputes between financial institutions and financial consumers, it is urgent to solve the disputes quickly and effectively and protect the rights and interests of financial consumers.The Financial Complaints Commissioner system is a kind of unique system in setting up financial consumer dispute handling mechanism, which has unique system advantages in resolving financial disputes.Therefore, the introduction of this system in our country has important reference significance for perfecting the diversified dispute resolution mechanism in our country.In addition to the introduction and conclusion, this article is divided into four chapters.The first chapter defines and analyzes the basic theoretical problems of the financial ombudsman system, including the connotation, characteristics and extension of the financial ombudsman system.The second chapter studies and analyzes the necessity and feasibility of constructing the financial complaints commissioner system in China.The third chapter studies the financial ombudsman system of foreign countries and regions (including Britain, Australia, Singapore, Taiwan, Hong Kong), and puts forward some suggestions to establish the financial ombudsman system in our country.In the fourth chapter, by studying and drawing lessons from the experience and practice of the foreign financial ombudsman system and combining the specific conditions of our country, the author puts forward some suggestions on the construction of the financial complaints commissioner system in our country.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.294

【相似文献】