Financial Regulatory Reform Financial Consumer Protection Pr

  本文关键词：基于金融消费者保护视角的英国金融监管改革研究，由笔耕文化传播整理发布。

基于金融消费者保护视角的英国金融监管改革研究

Research on the UK＇s Financial Regulatory Reform Based on Financial Consumer Protection

[1] [2]

Gao Tiantian ＆Chen Chen （Shanghai Institute of Foreign Trade; Shanghai University of Finance and Economics and the People＇s Bank of China Shanghai Head Office, Shanghai）

[1]上海对外贸易学院WTO研究教育学院; [2]中国人民银行上海总部

文章摘要：全球金融危机后，英国进行了系统而彻底的金融监管改革，进一步强化了对金融消费者的保护。根据《2010年金融服务法案》，英国成立了消费者金融教育局，由其独立、系统、全面地开展消费者金融教育工作。根据《2012年金融服务法案》，英国正式撤销了金融服务局，将其职能分拆，由金融行为局和审慎监管局两个机构承担，，从体制上实现了金融消费者保护与审慎监管职能的分离。同时，金融行为局被赋予了产品管理和干预权、产品和服务推广限制权、实施有利于市场竞争的监管政策等一系列新的权利。英国的金融监管改革对我国完善金融消费者权益保护机制具有重要的启示意义。

Abstr：After the global financial crisis, the UK government launched a series of systematic and thorough fi- nancial regulatory reforms, which strengthened the protection of financial consumers. The Financial Services Act 2010 established the Consumer Financial Education Agency, and authorized it to carry nut consumer finan- cial education independently, systematically and comprehensively. The Financial Services Act 2012 formally disbanded the FSA and split its functions between the Financial Conduct Authority （FCA） and the Prudential Regulation Authority （PRA）, resulting in the separation between financial consumer protection and prudential supervision in the regulatory regime. Moreover, the FCA was given new powers, such as governing and interve- ning in financial products, banning financial promotions and implementing regulatory policies conducive to market competition. The UK＇s financial regulatory reform has important implications for the improvement of the financial consumer protection mechanisms in China.

文章关键词：

Keyword：:Financial Regulatory Reform Financial Consumer Protection Prudential Supervision

课题项目：国家社科基金项目“WTO争端解决机制的证据规则研究”（项目编号：11CFX073）;上海市教委、上海市教育发展基金会“晨光计划”项目（项目编号：11CG66）.

  本文关键词：基于金融消费者保护视角的英国金融监管改革研究，由笔耕文化传播整理发布。