人民银行金融消费权益保护监督检查机制研究

作为国家的中央银行,人民银行承担着维护金融稳定的职责,加强金融消费权益保护是维护金融稳定的重要环节.2012年成立金融消费权益保护局以来,人民银行已初步完成了金融消费权益保护工作的组织构架、法律制度框架和投诉处理机制建设.随着金融消费权益保护工作的深入推进,必须建立金融消费权益保护工作评估体系和监督检查机制.本文结合我国当前监管现状,借鉴国外先进经验,提出构建人民银行金融消费权益保护监督检查机制的建议,以供参考.

Research on the Supervision and Inspection Mechanism of PBC Financial Consumption Rights and Interests Protection

As the country＇s central bank, the People＇s Bank of China（PBC） bears the responsibility of maintain- ing financial stability. Strengthening financial consumption rights and interests protection is an important part of main- taining financial stability. Since established financial consumption rights and interests protection bureau in 2012, PBC has completed the preliminary work of organizational structure of financial consumption rights and interests protection, framework of the legal system and complaint handling mechanism. With in-depth promotion of financial consumption rights and interests protection, it is necessary to establish the evaluation system and supervision mechanism of the fi- nancial consumption rights and interests protection. This thesis intends to combine with the current regulatory situation in China and foreign advanced experience to propose some opinions for reference in building the supervision and in- spection mechanism of PBC financial consumption rights and interests protection.