我国金融消费者权益保护困境和路径选择.pdfVIP

证券法律与监管 摘要：我国在保护金融消费者方面存在诸多不足，如何加强金融消费者保护成为我国金融领域备广泛关注的问题。世界各 国在金融领域消费者保护上采取的不同对策使我们有了较多可供借鉴的实例。在选择我国金融消费者保护的路径时，应从 我国的实际情况出发，在国际视野下反思我国的不足，通过在金融消费者保护领域的专门立法，完善金融机构的义务和民 事责任，切实保障金融消费者权益。同时，建立有效的诉讼外金融纠纷处理机制，也是充分保护金融消费者的重要措施。 关键词：金融消费者；金融商品；消费者权益保护；金融消费者保护立法 Abstract: The financial consumers’ protection system in China, with many existing deficiencies, attracts more widespread attention in the financial law research area on how to strengthen the protection of financial consumers. Other countries, while adopting different strategies to protect financial consumers, provide successful experiences for the improvement of ours. When selecting the path of designing the financial consumers’ protection system in China, we should not only consider the national actual situation, but also rethink the shortage of our system from the perspective of international comparison. The enactment of a special code involving the protection of financial consumers is conducive to the imposition of the obligation and civil liability of financial institutions as well as the cogent safeguard of the right and interests of financial consumers. To safeguard the rights and interests of financial consumers, we should legislate in the field of financial consumer protection legislation, and perfect the financial institutions of obligations and civil liability. Besides, establishing financial alternative dispute resolution is an important part of financial consumer protection system. Keywords: financial consumer, financial commodities, consumer protection, financial consumer protection legislation 作者简介：樊纪伟，法学博士，中国人民大学法学院博士后流动站在站研究人员，研究方向：公司法、证券法。 中图分类号：DF438 文献标识码：A 台湾地区则通过立法完善金融服务者的民事责任制度。 引言 在我国，随着金融市场的快速发展，金融领域中 2008年金融危机爆发后，越来越多的国家和地区开误导、欺诈金融消费者的现象也频频发生。针对损害 始重视对金融领域消费者的保护，各