改革金融消费者保护机制与金融市场秩序.pdfVIP

金 融 论 坛 20 17 年第 10 期（总第 262 期） 金融消 保护机制与规范 秩序 ［摘 要］ 金融业在分业监管体制下 金融消 保护制度无法覆盖全部金融活动、 与三会职能利益 、协调成本高 效率低、金融消 难度大、体系不配套等突出问 题 是金融消 保护制度 缺陷和金融消 保护力度不足。因此，必须设立 机构， 提升行政层级，明确职能定位；加快推进相关法律和制度建设，实现规则的统一；加强基础设施建 设，建设 金融消 保护机制。 ［ ］金融消 保护机制 秩序 ］ ［ ［文章编号］ （ ） ［ 号 G18 文献标志码］ 1009 - 9190 2017 10 - 0003 - 04 JEL A DOI:10.16529/j. .11-4613/f.2017.10.002 Refor Mechanism for Fin al Consumers and Regulating Fin al Market Order ZHANG Cheng-hui ［ t ］ ’ Abs ract Due to the s separate supervision system of fin al industry, the following problems exist in protec－ tion system for fin al consumers, such as no-covering all fin al activities, ing with the functions of the three associations, high -cost coordination, low -efficiency law enforcement, difficulties in the safeguarding of fin al con－ ’ sumers rights, no-matching systems, etc. The reason is because the system for fin al consumers is not per－ ’ fect and fin al consumer is insufficient. Therefore, it s necessary to set up an independent institution, raise its administrative level, define its functions, speed up the establishment of relevant laws and systems, achieve the accor－ dance of rules, strengthen the construction of basic conditions, and construct a multi-level mechanism for fi－ n al consumers. ［ ］ Key words mechanism for fin al consumer; fin al marke