完善银行业金融纠纷解决机制的若干思考

发布时间：2018-01-22 04:19

本文关键词： 银行业金融纠纷 ADR机制调解中心　出处：《上海交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：始于美国的次贷危机迅速演变成全球性的金融危机,世界经济至今仍处在漫长的复苏期。后金融危机时代各国（地区）开始全面检讨本国（地区）的金融结构和监管漏洞,反思金融效率和金融安全的平衡问题,促进经济的强势反弹复苏。作为对次贷危机反思和纠偏行动之一,2011年10月,G20峰会通过了经济合作与发展组织牵头起草的《金融消费者保护高级原则》,其中建立多层次纠纷解决机制成为业内共识。为此,笔者通过研究ADR机制的概念、特征及价值,以及结合我国银行业金融纠纷解决机制的实际,借鉴部分国家和地区的金融ADR机制的实践经验,试对完善我国银行业金融纠纷解决机制提出几点建议。本文主要从以下几个部分进行探讨:第一部分是从ADR机制的起源着手,重点阐述了ADR机制的概念、特征和价值。第二部分是对中国目前银行业金融纠纷解决机制的现状评析。主要从以诉讼为主的金融纠纷解决机制的现状及其弊端两方面展开。弊端方面主要从审判时限长、成本高昂、刚性强灵活性弱等方面展开论述。第三部分主要讨论完善银行业金融纠纷ADR制度的必要性。分别从银行业金融纠纷的特殊性和ADR机制的优势,论证了完善金融ADR制度的必要性。第四部分是以英美法系的英国和香港,大陆法系的日本为代表,着重讨论英国、日本和我国香港地区的ADR机制的产生背景、突出特征及运行机制,探寻对构建完善我国银行业金融纠纷解决机制的可借鉴之处。第五部分是完善银行业金融纠纷调解机制的建议。主要是从推动完善相关立法建设、加强监管力度和丰富监管普系、完善银行业金融机构服务体系和引入第三方调解机制四方面提出建议。
[Abstract]:The subprime mortgage crisis, which began in the United States, rapidly evolved into a global financial crisis. The world economy is still in a long period of recovery. In the post-financial crisis era, countries (regions) began to comprehensively review their financial structure and regulatory loopholes, and reflect on the balance between financial efficiency and financial security. Promoting a strong rebound and recovery of the economy. As one of the actions to reflect on and correct the subprime mortgage crisis, October 2011. The G20 summit adopted the "High principles for Financial Consumer Protection", led by the Organisation for Economic Cooperation and Development, in which the establishment of a multi-level dispute resolution mechanism has become an industry consensus. Through the study of the concept, characteristics and value of ADR mechanism, as well as the reality of financial dispute resolution mechanism of banking industry in China, the author draws lessons from the practical experience of financial ADR mechanism in some countries and regions. This paper mainly discusses the following parts: the first part is from the origin of the ADR mechanism. The concept of ADR mechanism is emphasized. The second part is the analysis of the present situation of the financial dispute settlement mechanism in China's banking industry. It mainly starts from the two aspects of the present situation and the malpractice of the financial dispute resolution mechanism, which is mainly litigation. The trial is long. It's expensive. The third part mainly discusses the necessity of perfecting the ADR system of banking financial disputes, respectively from the particularity of banking financial disputes and the advantages of ADR mechanism. This paper demonstrates the necessity of perfecting the financial ADR system. Part 4th focuses on the British and Hong Kong of Anglo-American law system and Japan of continental law system. The background, characteristics and operation mechanism of ADR in Japan and Hong Kong. The 5th part is to perfect the banking financial dispute mediation mechanism, mainly from the promotion of improving the relevant legislation construction. Strengthen the supervision and enrich the supervision system, perfect the banking financial institution service system and introduce the third party mediation mechanism.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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