后金融危机时代金融消费者保护的若干问题——以美国2010年的新法案为视角

本文以2010年7月美国《多德—弗兰克华尔街改革与消费者保护法》为探索视角,简要回顾了美国金融消费者保护的历史和教训,指出消费者保护的思想不仅应该明确体现在金融监管目标中,还需设置达至目标的适当监管机构,同时提出金融消费者保护的立法力度与金融创新速度相匹配的问题。就中国学界对新法案高涨的借鉴热情,文章认为:国外先进立法经验的本土植入需考量现实条件,我国目前亟须完成的工作是提升金融消费者概念的认同程度并设置适宜的金融消费者保护性机构。

The Research on Several Questions of Protection on Financial Consumersin the Age of Post- Financial Crisis——From the View of New Acts of 2010 in America

Based on Dodd Franck’s Protection Law to Reform of Wall Street and Consumers in America in July of 2010,this paper reviews the history and lessons of financial consumers’ protection in America.Then it points out that the thoughts of consumers’ protection should not only be clearly reflected in the object of financial supervision,but also set appropriate supervision organs in order to achieve targets.At the same time this paper puts forward the matching problem for the strength of financial consumers’ protection and the speed of financial innovation.For the high passion of reference in Chinese academic circles,this paper considers that foreign advanced experiences in legislation need the consideration of actual conditions.At present the urgent works for our country are raising the agreement with the concept of financial consumers and establishing the proper institutions of protection to financial consumers.