从监管角度看交叉性金融产品和服务中的消费者保护

加强交叉性金融产品和服务的消费者保护工作,有利于维护金融稳定.我国目前在交叉性金融产品与服务的消费者保护方面存在诸多问题,这些问题与金融消费者保护法制建设整体滞后、“机构监管”模式滞后于金融业交叉融合发展趋势、对消费者知情权的保护规定不完善和监管机构的金融消费者保护工作缺乏统筹规划和协调等有直接关系.借鉴国外有关立法和保护金融消费者的经验,我国应尽快出台金融消费者保护指引,统一金融消费者的法定概念,对金融服务提供者的交易行为制定通用规则,在保护金融消费者权益的基础上构建交叉性金融业务分类体系和统计标准,将金融机构处理消费者投诉作为监管机构受理消费者投诉的前置程序.

Financial Consumer Protection of Cross Financial Products and Services from a Regulatory Perspective

To strengthen the consumer protection of cross financial products and services benefits financial stability. The existing problems in consumer protection are directly related with legal construction lag, institutional regulation lag, imperfect regulation of consumers＇ fight to know, regulators＇ lack of planning and coordination etc. China should as soon as possible, based on foreign experiences in legislation and financial consumer protection, formulate the financial consumer protection guidelines, unify the legal concept of financial consumer, formulate the general rules for financial service providers＇ transactions, build classification system and statistical standards for cross financial businesses, and set financial institution＇s handling of consumer complaints as the pre-procedure for regulators to accept consumer complaints.