金融消费纠纷ADR机制研究

发布时间：2018-05-07 11:49

本文选题：金融纠纷 + 替代性纠纷解决方式　；参考：《湖南大学》2015年硕士论文

【摘要】：消费者权益保护的理论基础是“弱者倾斜保护”,在金融市场中相较于庞大的金融机构,金融消费者处于弱势地位,天生需要加以保护。在由美国次贷危机引起的全球金融危机中,为数众多金融消费者遭受了巨大的损失。此种境况下,各国政府不约而同开始审查自身金融系统和监管体制的不足,研究效益与安全的价值平衡问题,并纷纷意识到采用多种方式保护金融消费者权益应是监管体制应有之义。ADR机制相对于原有的诉讼纠纷解决机制具有迅速高效定纷止争、符合正和博弈的价值追求、解决成本低廉、限制司法权力减少诉累等实践意义。在此基础上,各国相继出台并整合有关法律和政策,调整了保护的方式和机构,ADR机制得到了重大发展。美国对原来的“双线多头”的消费者保护机制加以调整,建立了消费者金融保护局;英国对原本比较完善的金融巡视员服务公司机制进行了调整,更好地保护消费者权益;日本历经九年建立起了较为全面的ADR体制,对消费者权益进行保护。对于美国、英国、日本等国家的积极保护的做法,我国法学界对此曾展开研究并评价颇高,并对我国现有金融消费纠纷ADR机制的改造提出了建设性的意见。我国现在金融消费纠纷解决机制的常见问题是:在立法层面上规定过于粗糙,行政管理色彩较强;在制度层面上设定单一、实效性不强,在现实中难以发挥作用。针对这一现状,可以对我国金融消费纠纷ADR机制作如下完善:首先在立法理念上是要将“金融消费者”地位明确,并革新旧有行政管理式立法观念;其次在制度建设方面,在保持分业监管体制的前提下、在吸收其他国家先进经验的基础上,建立统一的、专门的金融消费纠纷处理机构,并且在实践中不断完善我国金融消费纠纷ADR解决机制。
[Abstract]:The theoretical basis of the protection of consumers' rights and interests is "the weak are inclined to protect". Compared with the huge financial institutions in the financial market, the financial consumers are in a weak position and are naturally in need of protection. In the global financial crisis caused by the subprime mortgage crisis in the United States, a large number of financial consumers suffered huge losses. In such circumstances, governments have all begun to examine the shortcomings of their financial and regulatory systems and to study the value balance between efficiency and security, And have realized that adopting various ways to protect the rights and interests of financial consumers should be the proper meaning of the supervision system. ADR mechanism has a quick and efficient resolution of disputes compared with the original litigation dispute resolution mechanism, which is in line with the value pursuit of positive harmony game. It is of practical significance to solve the problem with low cost and limit judicial power to reduce litigation tiredness and so on. On this basis, countries have promulgated and integrated relevant laws and policies, adjusted the way of protection and the mechanism of ADR has been greatly developed. The United States has adjusted the original "dual long" consumer protection mechanism and established the Consumer Financial Protection Bureau, while Britain has adjusted the mechanism of the financial inspector service company which was originally relatively perfect to better protect the rights and interests of consumers. After nine years, Japan has established a more comprehensive ADR system to protect the rights and interests of consumers. For the positive protection practices of the United States, Britain, Japan and other countries, our legal circles have carried out research and evaluation of this, and put forward constructive suggestions on the reform of the existing ADR mechanism of financial consumption disputes in our country. At present, the common problems of financial consumption dispute resolution mechanism in our country are: the legislation is too rough, the administration color is strong, the system is single, the actual effect is not strong, and it is difficult to play a role in reality. In view of this situation, we can perfect the ADR mechanism of financial consumption disputes in our country as follows: firstly, we should define the status of "financial consumers" and innovate the old administrative legislative ideas in the legislative concept; secondly, in the aspect of system construction, On the premise of maintaining the separate supervision system and absorbing the advanced experience of other countries, a unified and specialized financial consumption dispute handling institution is established, and the ADR resolution mechanism of financial consumption dispute in our country is constantly perfected in practice.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8

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