摘要
在金融强国建设的背景下,建立健全完备有效的金融监管体系至关重要。随着金融市场的不断发展与创新,金融产品种类的增多和金融服务的复杂化使得金融纠纷逐渐增多,亟需建立多元化金融解决协同联动机制有效化解。通过借鉴欧盟在金融纠纷解决方面的成功经验,结合我国国情,多元化金融解决协同联动机制建设应当以金融消费者权益保护为导向,构建“ADR + ODR”并联机制,探索如何通过替代性争议解决(ADR)和在线争议解决(ODR)相结合的方式,推动金融纠纷的多元化解决路径;并通过“ADR + ODR”并联机制诉讼程序进行衔接与串联,进一步促进金融消费者权益的保护;最后,建立面向金融机构的激励机制,以调动金融机构的积极性。通过赋分制等手段,将金融机构的纠纷处理表现与其信用评价挂钩,从而实现对金融机构的正向激励和负向激励。In the context of building a financial power, it is very important to establish and improve a complete and effective financial regulatory system. With the continuous development and innovation of the financial market, the increase in the variety of financial products and the complexity of financial services have gradually increased financial disputes, and it is urgent to establish a diversified financial solution coordination and linkage mechanism to effectively resolve them. By drawing on the successful experience of the European Union in financial dispute resolution and taking into account China’s national conditions, the construction of a collaborative linkage mechanism for diversified financial settlement should be guided by the protection of the rights and interests of financial consumers, build an “ADR + ODR” parallel mechanism, and explore how to promote the diversified resolution path of financial disputes through the combination of alternative dispute resolution (ADR) and online dispute resolution (ODR);and through the “ADR + ODR” parallel mechanism litigation procedures to further promote the protection of the rights and interests of financial consumers;Finally, an incentive mechanism for financial institutions should be established to mobilize the enthusiasm of financial institutions. Through the point system and other means, the dispute resolution performance of financial institutions is linked to their credit evaluation, so as to achieve positive and negative incentives for financial institutions.
出处
《争议解决》
2025年第2期259-266,共8页
Dispute Settlement
