摘要
由于信息的不对称,金融产品的消费者在与金融机构的合同关系中往往处于劣势,因此“为消费者提供适当的保护,促进公众对金融制度的了解,维护公众对金融制度的信心”已经成为许多国家金融监管机构的一项重要的监管目标。英国采用的金融巡视员制度是实现该项监管目标的重要制度之一。本文详细介绍了英国金融巡视员服务公司(FOS)的成立背景、职责和运作以及争议处理程序,并在此基础上针对我国金融监管制度的现状提出了在金融制度的设计、实施和评价中适当地保护消费者权益,提升并维持消费者对我国金融制度的信心,从而保证我国金融市场长期稳健地发展等建议。
Because of asymmetrical access to information, consumers of financial products often find themselves in a disadvantageous position in their contractual relationship with financial institutions. Therefore, 'to protect consumers properly, make the public understand financial system and retain their confidence in financial system'has become a key regulatory target of financial watchdogs in many countries. The Financial Ombudsman system in UK is one of the important systems to achieve such regulatory target. In the present paper, Financial Ombudsman Service Ltd in UK is introduced in detail regarding its founding background, responsibilities, operations and procedures for disputes settlement. In view of the current financial regulations in our country, it is proposed among other suggestions that consumers' rights and interests should be properly protected in the design, execution and assessment of our financial system to enhance and retain consumers' confidence in our financial system. Only in so doing, can a long-term and stable development of our financial market be guaranteed.
出处
《金融论坛》
CSSCI
北大核心
2005年第1期57-60,63,共5页
Finance Forum