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2008年金融危机爆发后,世界各主要国家相继完善对本国金融消费者权益的保护。我国在保护金融消费者方面也暴露出诸多问题和不足,在国际化大金融背景下,如何加强金融消费者法律保护成为我国金融法领域备受关注的问题之一。世界各国在金融消费者保护上采取的不同措施使我们有了较多可供借鉴的实例。但在选择我国金融消费者保护的路径时,应从我国的实际情况出发,在国际视野下反思我国不足。为充分保护金融消费者权益,我国应通过统一金融消费者保护立法,完善金融机构的说明义务和民事责任。同时,建立有效的诉外金融纠纷处理机制,构建保护金融消费者权益的多维度制度体系。
After the outbreak of the financial crisis in 2008, all the major countries in the world have successively perfected the protection of the rights and interests of their financial consumers. China has also exposed many problems and shortcomings in the protection of financial consumers. Under the background of internationalized large-scale financial, how to strengthen the legal protection of financial consumers has become one of the most concerned issues in the field of financial law in our country. The different measures taken by the countries in the world in the protection of financial consumers have given us more examples for reference. However, when choosing the path of financial consumer protection in our country, we should start from the actual situation in our country and reflect on the problems in our country from an international perspective. In order to fully protect the rights and interests of financial consumers, our country should improve the explanation obligations and civil responsibilities of financial institutions by unifying the financial consumer protection legislation. At the same time, the establishment of an effective system of handling disputes over foreign financial disputes and building a multi-dimensional institutional system for protecting the rights and interests of financial consumers.