金融危机反思及金融产品消费者保护

发布时间：2018-06-07 21:03

本文选题：金融产品 + 消费者保护　；参考：《财经科学》2012年01期

【摘要】：美国在金融产品消费者保护领域有着较为完备的法律体系,但该保护体系在次贷危机中仍暴露出明显问题,金融产品消费者在危机中依然遭受了很大损失。因此,强化消费者保护被确认为美国金融监管改革的一项重要内容。本文从市场失灵和行为金融学角度剖析了金融消费者保护失效的根源,对国外金融监管体系的改革进展进行了深入研究,并结合实际提出了建设我国金融消费者保护体系的具体措施。
[Abstract]:The United States has a relatively complete legal system in the field of consumer protection of financial products, but the protection system still exposes obvious problems in the subprime mortgage crisis, and the consumers of financial products still suffer great losses in the crisis. Therefore, strengthening consumer protection has been recognized as an important part of financial regulatory reform in the United States. This paper analyzes the root causes of the failure of financial consumer protection from the perspective of market failure and behavioral finance, and makes a thorough study on the reform progress of foreign financial supervision system. Combined with the actual situation, the author puts forward the concrete measures to build the financial consumer protection system in China.
【作者单位】：湖南师范大学商学院;
【基金】：国家自然科学基金资助项目(71001036) 教育部人文社会科学研究项目(09YJC790084) 湖南师范大学社会科学青年学术骨干培养计划(09XGG27)
【分类号】：F831.59;F831

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