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随着金融创新的进一步深化,形式多样的金融产品和服务为金融消费者提供了多元化的选择,导致金融消费纠纷具有复杂性、专业性。但是,传统的救济渠道无法满足金融消费者公平、快速解决争议的需求。澳大利亚金融调查服务制度凭借其专业性、高效性、独立性,在金融纠纷解决方面成为成功典范。我国可以借鉴澳大利亚金融调查服务制度,结合我国国情,在一行三会的指导下,逐步建立起金融调查服务制度,完善金融纠纷解决机制。
With the further deepening of financial innovation, diversified financial products and services provided diversified choices for financial consumers, leading to the complexity and professionalism of financial consumer disputes. However, the traditional remedial channels can not meet the needs of financial consumers for fairness and quick resolution of disputes. With its professionalism, efficiency and independence, the Australian financial investigation service system has become a successful example of financial dispute resolution. China can draw lessons from the Australian financial investigation service system and, in light of China’s national conditions, gradually establish a financial investigation service system and improve the financial dispute resolution mechanism under the guidance of one or three associations.