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众所周知,金融业和金融消费行为具有高度的专业性、虚拟性和抽象性,消费者往往处于相对弱势地位。在国际金融危机爆发后,欧美各国更加认识到金融消费者保护的重要性,纷纷启动对金融消费者权益保护的立法改革。如美国2010年出台的《多德弗兰克法案》中,要求在美联储下设金融消费者保护署,集中行使金融消费者保护职权,拥有监督、检查和执行权;英国成立消费者保护与市场管理局,专职负责金融消费者保护,实现金融
As we all know, the financial industry and financial consumer behavior with a high degree of professionalism, virtuality and abstraction, consumers are often in a relatively weak position. After the outbreak of the international financial crisis, the United States and Europe more realized the importance of financial consumer protection and started the legislative reform on the protection of the rights and interests of financial consumers. For example, in the Dodd-Frank Act introduced in 2010, the United States demanded that the Federal Consumer Protection Agency be set up under the Federal Reserve to exercise centralized supervision and inspection and enforcement powers; the establishment of the Consumer Protection and Market Authority , Full-time responsible for financial consumer protection, financial