我国金融消费者保护制度研究

此次全球金融危机的爆发,促使人们开始更多的关注金融消费者的保护问题。金融审慎监管分为宏观和微观两部分,微观审慎监管的终极目标是保护金融消费者的合法权益不受侵犯。我国为更好地保护金融消费者的合法权益,应当借鉴国外相关经验,界定金融消费者的含义,明确金融消费者的基本权利,完善金融消费者保护相关法律制度。

Research on Legal System of Financial Consumer Protection in China

The outbreak of the financial crisis makes people begin to concern about the problem of financial consumer protection.Financial regulation is divided into two parts: macro and micro.The ultimate goal of the micro-prudential supervision is protecting the legitimate rights and interests of financial consumers.In order to protect the legitimate rights and interests of financial consumers better,China should draw on the experience of other countries,define the meaning of financial consumer,clear the basic legitimate rights and interests of financial consumers and improve our legal system of financial consumer protection.