论金融消费者的公平金融服务获得权

发布时间：2018-02-09 22:38

本文关键词： 金融消费者公平金融服务政府干预　出处：《财经科学》2012年07期 　论文类型：期刊论文

【摘要】：以农民为代表的低收入个人主体和以小微企业为代表的中小企业主体等大量消费者被排斥于主流金融服务之外,背离了公平正义,影响了社会和谐,不利于社会的可持续发展。与发达国家所处的金融发展阶段不同,我国当前金融消费者保护工作当着力于相对基础一些的公平金融服务获得权,它是化解金融机构相对垄断与金融消费者对其高度依赖之间的矛盾所必需,也是金融机构应当履行更多社会责任的体现。实现金融消费者的公平金融服务获得权,政府的外部干预、立法的健全和完善、工作的重点突出、各项措施的整体推进等都必不可少。
[Abstract]:A large number of consumers, such as low-income individuals represented by farmers and small and medium-sized enterprises represented by small and medium-sized enterprises, are excluded from mainstream financial services, deviating from fairness and justice and affecting social harmony. Contrary to the stage of financial development in developed countries, the current financial consumer protection work in China should focus on the right to obtain fair financial services, which are relatively basic. It is necessary to resolve the contradiction between the relative monopoly of financial institutions and the dependence of financial consumers on them. It is also the embodiment that financial institutions should perform more social responsibilities and realize the right of financial consumers to obtain fair financial services. The external intervention of the government, the perfection and perfection of the legislation, the emphases of the work and the promotion of the measures are all necessary.
【作者单位】：上海金融学院;
【分类号】：F830.589

【参考文献】