| 国际金融消费者保护的改革进展与趋势 |
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| 引用本文： | 孙天琦,袁静文. 国际金融消费者保护的改革进展与趋势[J]. 西安交通大学学报(社会科学版), 2012, 32(5): 9-17 |
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| 作者姓名： | 孙天琦 袁静文 |
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| 作者单位： | 1. 西北大学中国西部经济发展研究中心,陕西西安710069;中国人民银行西安分行金融研究处,陕西西安710075
2. 西安交通大学经济与金融学院,陕西西安,710061 |
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| 基金项目： | 教育部人文社会科学重点研究基地重大项目(2009JJD790034) |
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| 摘 要： | 2008年国际金融危机之后,世界银行、经济合作与发展组织、国际消费者联盟等国际组织都开始拟定关于金融消费者保护的示范规则,美、英等国及欧盟、中国台湾地区已经启动并实施了大范围的金融消费者保护监管与立法改革。展望未来,金融消费者保护的重要性、独立性、统一性、系统性、规范性和国际性不断增强,已成为全球金融监管改革的三大重点领域之一,有从传统审慎监管机构中逐渐分离趋势,并可望成为评估一国金融发展水平的重要指标。
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| 关 键 词： | 金融消费者保护 金融监管改革 金融服务市场 金融消费者教育 |
Trends and Progress of the International Financial Consumer Protection Reform |
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| SUN Tian-qi , YUAN Jing-wen. Trends and Progress of the International Financial Consumer Protection Reform[J]. Journal of Xi'an Jiaotong University(Social Sciences), 2012, 32(5): 9-17 |
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| Authors: | SUN Tian-qi YUAN Jing-wen |
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| Affiliation: | 1.Center for Studies of China Western Economic Development,Northwest University,Xi′an 710069,China; 2.The People′s Bank of China,Xi′an Brach,Xi′an 710069,China; 3.School of Economics and Finance,Xi′an Jiaotong University,Xi′an 70061,China) |
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| Abstract: | Since the international financial crisis in 2008,the World Bank,the Organization for Economic Cooperation and Development(OECD),Consumers International and other international organizations have begun to formulate demonstration rules concerning financial consumer protection and the United States,Great Britain,the European Union,other countries and China Taiwan district have launched and implemented a wide range of financial consumer protection,supervision and legislation reform.There is a tendency for the above rules to gradually separate from the traditional prudential supervisory institutions and the above parameters are expected to become important indexes for evaluating the financial development level of a country. |
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| Keywords: | financial consumer protection financial regulatory reform financial services market financial consumer education |
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