本文關(guān)鍵詞：基于金融消費(fèi)者保護(hù)視角的英國(guó)金融監(jiān)管改革研究，由筆耕文化傳播整理發(fā)布。

基于金融消費(fèi)者保護(hù)視角的英國(guó)金融監(jiān)管改革研究

Research on the UK＇s Financial Regulatory Reform Based on Financial Consumer Protection

[1] [2]

Gao Tiantian ＆Chen Chen （Shanghai Institute of Foreign Trade; Shanghai University of Finance and Economics and the People＇s Bank of China Shanghai Head Office, Shanghai）

[1]上海對(duì)外貿(mào)易學(xué)院WTO研究教育學(xué)院; [2]中國(guó)人民銀行上�？偛�

文章摘要：全球金融危機(jī)后，英國(guó)進(jìn)行了系統(tǒng)而徹底的金融監(jiān)管改革，進(jìn)一步強(qiáng)化了對(duì)金融消費(fèi)者的保護(hù)。根據(jù)《2010年金融服務(wù)法案》，英國(guó)成立了消費(fèi)者金融教育局，由其獨(dú)立、系統(tǒng)、全面地開(kāi)展消費(fèi)者金融教育工作。根據(jù)《2012年金融服務(wù)法案》，英國(guó)正式撤銷(xiāo)了金融服務(wù)局，將其職能分拆，由金融行為局和審慎監(jiān)管局兩個(gè)機(jī)構(gòu)承擔(dān)，，從體制上實(shí)現(xiàn)了金融消費(fèi)者保護(hù)與審慎監(jiān)管職能的分離。同時(shí)，金融行為局被賦予了產(chǎn)品管理和干預(yù)權(quán)、產(chǎn)品和服務(wù)推廣限制權(quán)、實(shí)施有利于市場(chǎng)競(jìng)爭(zhēng)的監(jiān)管政策等一系列新的權(quán)利。英國(guó)的金融監(jiān)管改革對(duì)我國(guó)完善金融消費(fèi)者權(quán)益保護(hù)機(jī)制具有重要的啟示意義。

Abstr：After the global financial crisis, the UK government launched a series of systematic and thorough fi- nancial regulatory reforms, which strengthened the protection of financial consumers. The Financial Services Act 2010 established the Consumer Financial Education Agency, and authorized it to carry nut consumer finan- cial education independently, systematically and comprehensively. The Financial Services Act 2012 formally disbanded the FSA and split its functions between the Financial Conduct Authority （FCA） and the Prudential Regulation Authority （PRA）, resulting in the separation between financial consumer protection and prudential supervision in the regulatory regime. Moreover, the FCA was given new powers, such as governing and interve- ning in financial products, banning financial promotions and implementing regulatory policies conducive to market competition. The UK＇s financial regulatory reform has important implications for the improvement of the financial consumer protection mechanisms in China.

文章關(guān)鍵詞：

Keyword：:Financial Regulatory Reform Financial Consumer Protection Prudential Supervision

課題項(xiàng)目：國(guó)家社科基金項(xiàng)目“WTO爭(zhēng)端解決機(jī)制的證據(jù)規(guī)則研究”（項(xiàng)目編號(hào)：11CFX073）;上海市教委、上海市教育發(fā)展基金會(huì)“晨光計(jì)劃”項(xiàng)目（項(xiàng)目編號(hào)：11CG66）.

  本文關(guān)鍵詞：基于金融消費(fèi)者保護(hù)視角的英國(guó)金融監(jiān)管改革研究，由筆耕文化傳播整理發(fā)布。