【摘要】：英國有著較為成熟的金融實踐體系,民眾的金融素質(zhì)相對較高,在金融監(jiān)管方面比較注重自律的同時也有強(qiáng)制性監(jiān)管。英國不僅重視對金融消費者權(quán)益的實體法保護(hù),而且建立了金融消費者權(quán)益糾紛的特殊解決機(jī)制(即FOS制度)。較之于訴訟和仲裁,FOS制度具有無償性、便捷性、高效性和專業(yè)性的特點,能最大限度地滿足金融消費者權(quán)益糾紛解決的特殊要求。 隨著我國金融市場的發(fā)展,金融消費者權(quán)益保護(hù)問題日益突出。但是,我國目前尚未建立起金融消費者權(quán)益糾紛解決的特殊機(jī)制。因此,借鑒英國的FOS制度,構(gòu)建一個適合我國國情的金融消費者權(quán)益糾紛特殊解決機(jī)制,不僅是保護(hù)金融消費者權(quán)益的客觀需要,也是我國金融市場健康穩(wěn)定發(fā)展的客觀需要。鑒于中國國情,金融消費者權(quán)益糾紛特殊解決機(jī)制的構(gòu)建應(yīng)該采取政府主導(dǎo)的模式,在組織形式上也不宜采取公司制,而應(yīng)該定位為事業(yè)單位法人。
[Abstract]:Britain has a more mature financial practice system, the financial quality of the people is relatively high, in financial supervision, pay more attention to self-discipline, but also mandatory supervision. Britain not only attaches importance to the protection of financial consumers' rights and interests by substantive law, but also establishes a special mechanism (FOS system) for resolving disputes over financial consumers' rights and interests. Compared with the litigation and arbitration FOS system, FOS system has the characteristics of free, convenient, efficient and professional, and can meet the special requirements of financial consumers' rights and interests dispute resolution to the maximum extent. With the development of financial market, the protection of financial consumers' rights and interests is becoming more and more prominent. However, China has not yet established a special mechanism for resolving financial consumer rights and interests disputes. Therefore, it is not only the objective need to protect the rights and interests of financial consumers, but also the objective need of the healthy and stable development of our financial market to construct a special settlement mechanism of financial consumers' rights and interests, which is suitable for the situation of our country. In view of China's national conditions, the construction of a special settlement mechanism for financial consumers' rights and interests should be based on a government-led model and a corporate system should not be adopted in the organizational form, but should be positioned as a legal person of a public institution.
【學(xué)位授予單位】：暨南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2011
【分類號】：D923.8;D922.28;D956.1

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