【正文】 摘 要 隨著改革開(kāi)放進(jìn)程的加快，我們國(guó)家金融市場(chǎng)的持續(xù)發(fā)展，金融市場(chǎng)的專業(yè)化水平一直上升,金融業(yè)的混業(yè)經(jīng)營(yíng)模式持續(xù)增添了許多的新的活力，我國(guó)市場(chǎng)的消費(fèi)水平呈現(xiàn)上升的趨勢(shì)，加之國(guó)民對(duì)于消費(fèi)水準(zhǔn)的要求有了很大的提升。金融商品提供者想要實(shí)現(xiàn)自身利潤(rùn)的最大化就不得不對(duì)金融市場(chǎng)進(jìn)行分割，這一系列行為突出的使金融消費(fèi)者自身合法權(quán)益受到越來(lái)越多的來(lái)自金融機(jī)構(gòu)的侵害?？墒乾F(xiàn)階段我國(guó)沒(méi)有有關(guān)規(guī)制金融消費(fèi)者權(quán)益的專屬法律，以“一行三會(huì)”為代表的來(lái)自金融機(jī)構(gòu)的工作重點(diǎn)則更多的放在對(duì)金融機(jī)構(gòu)的監(jiān)管之上；在沒(méi)有法律明文規(guī)定、沒(méi)有有力的監(jiān)管機(jī)關(guān)的情況下，結(jié)果自身合法權(quán)益遭到不法侵害時(shí)，只能以《消費(fèi)者權(quán)益保護(hù)法》作為基準(zhǔn)法進(jìn)行自身權(quán)益的維護(hù)或者直接向法院提起訴訟，用司法方式來(lái)解決。但是，維權(quán)結(jié)果往往并不樂(lè)觀。針對(duì)上述提到過(guò)的維權(quán)時(shí)潛在的諸多問(wèn)題，本文指出：我國(guó)要盡快公布《金融消費(fèi)者權(quán)益保保障法》并予以執(zhí)行。本文首先在概念上界定了金融消費(fèi)者與普通消費(fèi)并將其在法理上做了區(qū)分。深入分析了金融消費(fèi)者的權(quán)利的特征，以真實(shí)案件來(lái)系統(tǒng)闡述當(dāng)今我們國(guó)家在消費(fèi)者權(quán)利遭到損害的具體情況，并對(duì)緣由進(jìn)行了研究。在鑒戒西方發(fā)達(dá)國(guó)家先進(jìn)監(jiān)管的技術(shù)指導(dǎo)下，進(jìn)一步建議我們國(guó)家必須加快創(chuàng)立、完美的金融消費(fèi)者權(quán)利保護(hù)相關(guān)的法律規(guī)章的速度、還要逐步使金融監(jiān)管制度更能很好的規(guī)制金融市場(chǎng)，所要達(dá)成的計(jì)劃是為金融消費(fèi)者合法權(quán)益的保護(hù)提供各個(gè)角度各個(gè)層次的深入探討！本文還介紹了西方發(fā)達(dá)國(guó)家有關(guān)金融消費(fèi)者權(quán)益保護(hù)的制度改革與創(chuàng)新的新做法，并進(jìn)而提供了一個(gè)建議就是：我國(guó)應(yīng)采用國(guó)際上改革的先進(jìn)經(jīng)驗(yàn)，以中國(guó)的基本國(guó)情作為基礎(chǔ),以區(qū)分金融消費(fèi)者的含義和金融消費(fèi)者核心的權(quán)利為切入點(diǎn), 立法設(shè)想和權(quán)益保障的方式要明晰,創(chuàng)建一個(gè)能夠順應(yīng)我們國(guó)家金融業(yè)市場(chǎng)不斷變化發(fā)展的要求的法律軌制。國(guó)際上關(guān)于保護(hù)金融消費(fèi)者的總結(jié)起來(lái)有四種方式：第一：將保護(hù)金融消費(fèi)者的合法權(quán)益作為監(jiān)管機(jī)構(gòu)的監(jiān)管方向；第二：加強(qiáng)金融監(jiān)管組織關(guān)于金融消費(fèi)者權(quán)益保護(hù)的工作情況；第三：深化各個(gè)金融行業(yè)內(nèi)設(shè)自律組織機(jī)制；第四：新設(shè)專項(xiàng)解決金融消費(fèi)者投訴的機(jī)制。通過(guò)系統(tǒng)地研究探討世界各國(guó)涉及維權(quán)的最新經(jīng)驗(yàn)可以得出結(jié)論：中國(guó)在金融消費(fèi)者權(quán)益保障體制的不斷充實(shí)首當(dāng)其沖要從法律框架入手：首先，應(yīng)當(dāng)對(duì)金融消費(fèi)者權(quán)益保護(hù)進(jìn)行專門立法，以法律的形式對(duì)金融消費(fèi)者予以保護(hù)；其次，加強(qiáng)各個(gè)金融監(jiān)管組織涉及到金融消費(fèi)者正當(dāng)權(quán)力的保護(hù)層次上的工作分擔(dān)；再次，根據(jù)金融消費(fèi)者的弱勢(shì)地位，在金融服務(wù)提供者違反約定的情況下，要強(qiáng)化對(duì)金融服務(wù)提供者的責(zé)任上的制約。比如信息披露義務(wù)，安全保障義務(wù)等等。最后，我們更應(yīng)該健全金融消費(fèi)者糾紛的救濟(jì)制度。關(guān)鍵詞：金融消費(fèi)者；金融消費(fèi)者保護(hù)；監(jiān)管職責(zé) AbstractWith the acceleration of the process of reform and opening up and sustained development of our country39。s financial markets , financial markets professional level has been rising , the financial sector continued Mixed mode adds a lot of new vitality , the consumption level of the market showed an upward trend , coupled with the requirements of national standards for the consumer has been greatly improved . Maximize financial products providers want to achieve their profits would have to be divided on the financial markets , this series makes financial consumer behavior highlights their legitimate rights and interests are infringed by a growing number of financial institutions . But at this stage there is no relevant regulation of the financial interests of consumers exclusive laws to line 3 will to represent the focus from financial institutions are more on top of the supervision of financial institutions 。 expressly provides that in the absence of law, under no circumstances potent regulatory authorities , the results of their legitimate rights and interests have been infringed when the lawless and can only be to protect their own interests , consumer Protection Law as a reference method or directly to the court proceedings , with the judiciary to solve . However , the results are often not optimistic activist .For the above mentioned rights of the many potential problems , the article pointed out: China should accelerate the process of promulgation of Financial Consumer Protection Law . This article first defines the concept of financial consumers and the general consumer and make a distinction in law . Indepth analysis of the characteristics of financial consumer rights , in order to illustrate the case of the financial interests of consumers were infringed detailed forms, and the reason was studied. Under the guidance of advanced technology developed Western countries warning regulation, further suggests that we must speed up the creation of the State , the perfect financial consumer rights protection laws and regulations related to the speed , but also gradually make good financial regulatory system to better regulate the financial markets , the ultimate goal is to provide prehensive legal protection for the protection of the financial interests of consumers ! This paper also describes a new approach developed Western countries on financial system reform and innovation of consumer protection , and thus provides a suggestion is this: China should adopt the advanced international experience reforms to China 39。s basic national conditions as a basis to distinguish core meaning and financial consumer financial consumer rights as the starting point , the legislative ideas and ways to protect the interests of clarity , we create a country39。s financial sector can adapt to changing market requirements of the legal development of the rail system .The international munity on the protection of financial consumers summed up in four ways: First: to protect the legitimate rights and interests of consumers , as the regulatory direction of financial regulatory agencies 。 Second: strengthening financial supervision organizations work on financial consumer protection 。 third: to deepen the financial sector offers various selfregulatory organization mechanism 。 fourth : the new special financial consumer plaints resolution mechanism .Through a prehensive grasp of the latest international activist experience can be concluded : on improving the brunt of financial consumer protection regime should make efforts from the legal system : First , it should be for specialized financial consumer protection legislation, legal be in the form of financial consumer protection 。 Secondly , the functions assigned to deepen the major financial regulatory authorities in the financial consumer protection aspects 。 again, according to the weak financial position of consumers, financial service providers in case of violation of the agreement , to strengthen restrictions on financial service providers obligations. Such as information disclosure obligations , security obligations , and so on . Finally , we should improve the financial consumer disputes relief system .Keywords: financial consumer protection。 regulatory responsibilities 緒論一、研究背景、意義 近年來(lái)，“金融消費(fèi)者”已成為大眾消費(fèi)角色中最普遍的一種人群。金融消費(fèi)手段的廣泛應(yīng)用，給人們的工作和生活帶來(lái)方便的同時(shí)，也使金融利益越來(lái)越容易遭受金融服務(wù)提供者可能或現(xiàn)實(shí)潛在的傷害。這種傷害不單加劇了金融服務(wù)提供者與金融消費(fèi)者二者的抵觸和對(duì)立性，極大地增加了由人為因素造成的金融風(fēng)險(xiǎn)的危險(xiǎn)，情形危機(jī)的還會(huì)波及一個(gè)國(guó)家的金融秩序的穩(wěn)固?？v覽國(guó)際社會(huì)對(duì)金融消費(fèi)者權(quán)益保障的經(jīng)歷，我們能總結(jié)出這樣一條規(guī)律：對(duì)金融消費(fèi)者權(quán)益保障存在弱勢(shì)是構(gòu)成金融危機(jī)中的一個(gè)重要原因，各個(gè)國(guó)家要認(rèn)識(shí)到這點(diǎn)并且還要加快對(duì)金融消費(fèi)者正當(dāng)權(quán)利的保障軌制進(jìn)行的不斷改革。許許多多國(guó)際經(jīng)濟(jì)組織也提議從保護(hù)金融秩序穩(wěn)定的層面號(hào)召別國(guó)深化對(duì)金融消費(fèi)者權(quán)利的保障。中國(guó)現(xiàn)階段對(duì)設(shè)計(jì)金融消費(fèi)者權(quán)利保護(hù)的問(wèn)題還處于不注重的狀態(tài)，并且問(wèn)題還存在于涉及到金融消費(fèi)者權(quán)益保障的法律條文，金融消費(fèi)者的合法利益沒(méi)有在合理的保護(hù)之下，碰到危害后果也無(wú)法得到得到庇護(hù)，基于某些特殊的環(huán)境或多個(gè)因素的作用， 可能有一些出人意料的風(fēng)險(xiǎn)出現(xiàn)，這種破壞性的風(fēng)險(xiǎn)會(huì)造成中國(guó)國(guó)經(jīng)濟(jì)甚至是世界經(jīng)濟(jì)秩序的紊亂。所以，盡快建立健全金融消費(fèi)者權(quán)益保護(hù)的工作。目前，中國(guó)的金融消費(fèi)者的保障