金融消费者保护基本问题研究

发布时间：2018-02-27 20:59

本文关键词： 金融消费者保护体制保护原则分层保护生活消费非生活消费　出处：《证券市场导报》2012年10期 　论文类型：期刊论文

【摘要】：本文对金融消费者概念的内涵和外延、保护体制、保护原则等进行了探讨。金融消费者,是指除金融业经营者以外的购买金融产品和服务的所有人。依据金融消费者在交易过程中与经营者相比所处的地位,可以将其分为三个层次,针对不同层次金融消费者应提供不同程度的法律保护。这是金融消费者保护的核心问题。金融消费者保护体制包含规则构建(民事、行政、刑事规则;强制性、自愿性规则)和机构设置(嵌入式和独立式)两个层面。金融消费者保护原则包括:统一保护与分业保护相结合;全面保护与重点保护相结合;倾斜保护与平等保护相结合;程序性保护与实体性保护相结合;事前预防、事中监测与事后救济相结合;法律特别保护与市场主体自我责任相结合。
[Abstract]:This paper discusses the connotation and extension of the concept of financial consumer, the system of protection, the principle of protection, etc. Refers to the owners who purchase financial products and services other than financial operators. According to the position of financial consumers compared with operators in the course of transactions, they can be divided into three levels. Different levels of financial consumers should be provided with different degrees of legal protection. This is the core issue of financial consumer protection. The financial consumer protection system contains rules (civil, administrative, criminal; mandatory). Voluntary rules) and institutional setup (embedded and independent). The principles of financial consumer protection include: the combination of unified protection and separation protection, the combination of comprehensive protection and key protection, the combination of tilt protection and equal protection; The combination of procedural protection and substantive protection; prior prevention, monitoring and relief after the event; special protection of the law and the self-responsibility of the market subject.
【作者单位】：河南银监局政策法规处;
【分类号】：F830.9

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