“谁”来保护金融消费者——消费者与金融机构纠纷解决模式与发展方向探讨

发布时间：2018-05-17 07:12

本文选题：金融机构 + 金融消费　；参考：《中国银行业》2016年07期

【摘要】：正多元化方式解决金融纠纷是必由之路,第三方担负起金融纠纷调解职能是不二选择。可以说,化解金融纠纷相关主体人人有责,但是与金融消费工作无关或者关联度不高的机构则不应打着维护金融消费者权益的旗号越界监管,"九龙治水,水亦无奈",越界监管徒增金融机构负担。一段时间以来,我国消费者与金融机构之间的金融纠纷越来越多,信访、投诉、仲裁乃至诉讼不一而足,更有"披麻戴孝"、"自愿跳楼"等过度维权个案出现,个别媒体片面报道亦夸大了消费者与金融机构之间的纠纷矛盾。在法治不断进步的大趋势
[Abstract]:It is the only way to solve financial disputes in a diversified way, and it is necessary for third parties to assume the function of financial dispute mediation. It can be said that everyone is responsible for resolving financial disputes, but organizations that have nothing to do with financial consumption work or not have a high degree of correlation should not cross the border in the name of safeguarding the rights and interests of financial consumers. "Jiulong governs the water," he said. Water is also helpless ", cross-border supervision only increased the burden on financial institutions. For some time now, there have been more and more financial disputes between consumers and financial institutions in our country. Complaints, arbitrations and even lawsuits have been numerous, and there have been cases of excessive rights protection, such as "wearing clothes and filial piety" and "voluntarily jumping out of buildings." Individual media one-sided report also exaggerates the dispute contradiction between the consumer and the financial institution. The general trend of continuous progress in the rule of law
【作者单位】：中国贸仲;北仲;广仲;呼仲;
【分类号】：D923.8;F832.3

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