本文關(guān)鍵詞： 金融消費(fèi)者 公平金融服務(wù) 政府干預(yù)　出處：《財(cái)經(jīng)科學(xué)》2012年07期 　論文類型：期刊論文

【摘要】：以農(nóng)民為代表的低收入個(gè)人主體和以小微企業(yè)為代表的中小企業(yè)主體等大量消費(fèi)者被排斥于主流金融服務(wù)之外,背離了公平正義,影響了社會(huì)和諧,不利于社會(huì)的可持續(xù)發(fā)展。與發(fā)達(dá)國(guó)家所處的金融發(fā)展階段不同,我國(guó)當(dāng)前金融消費(fèi)者保護(hù)工作當(dāng)著力于相對(duì)基礎(chǔ)一些的公平金融服務(wù)獲得權(quán),它是化解金融機(jī)構(gòu)相對(duì)壟斷與金融消費(fèi)者對(duì)其高度依賴之間的矛盾所必需,也是金融機(jī)構(gòu)應(yīng)當(dāng)履行更多社會(huì)責(zé)任的體現(xiàn)。實(shí)現(xiàn)金融消費(fèi)者的公平金融服務(wù)獲得權(quán),政府的外部干預(yù)、立法的健全和完善、工作的重點(diǎn)突出、各項(xiàng)措施的整體推進(jìn)等都必不可少。
[Abstract]:A large number of consumers, such as low-income individuals represented by farmers and small and medium-sized enterprises represented by small and medium-sized enterprises, are excluded from mainstream financial services, deviating from fairness and justice and affecting social harmony. Contrary to the stage of financial development in developed countries, the current financial consumer protection work in China should focus on the right to obtain fair financial services, which are relatively basic. It is necessary to resolve the contradiction between the relative monopoly of financial institutions and the dependence of financial consumers on them. It is also the embodiment that financial institutions should perform more social responsibilities and realize the right of financial consumers to obtain fair financial services. The external intervention of the government, the perfection and perfection of the legislation, the emphases of the work and the promotion of the measures are all necessary.
【作者單位】： 上海金融學(xué)院;
【分類號(hào)】：F830.589

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本文編號(hào)：1499022