美国金融消费者保护机构的独立性及对中国的启示

发布时间：2018-05-24 20:09

  本文选题：美国金融消费者保护 + 金融消费者保护局　； 参考：《河南大学学报(社会科学版)》2012年04期

【摘要】：2010年,美国政府在深刻反思次贷危机的原因后,颁布了《多德-弗兰克华尔街改革与消费者保护法》,在这部法案中,关于设立金融消费者保护局的规定格外引人注目。法案赋予了金融消费者保护局在机构设置、资金保障、人员任免和问责制度等方面的强大独立性,预示着金融消费者保护与审慎监管"双峰"监管模式将成为继统合监管与分散监管、功能监管与机构监管等不同模式之后的监管新体制。我国的分业监管模式使金融消费者保护存在很多制度上的空白和实践中的盲点,应在借鉴美国金融消费者保护法律制度的基础上,尽快设置独立的金融消费者保护机构,确保金融消费的公平性和透明性。
[Abstract]:In 2010, the U.S. government enacted the Dodd-Frank Wall Street Reform and Consumer Protection Act after a profound rethink of the causes of the subprime mortgage crisis, in which the creation of the Financial Consumer Protection Agency was particularly notable. The bill gives the Financial Consumer Protection Agency strong independence in terms of institutional set-up, financial security, appointment and removal of personnel, and accountability. It indicates that the "double peak" supervision mode of financial consumer protection and prudential supervision will become a new regulatory system after the different models of integrated and decentralized supervision, functional supervision and institutional supervision. There are many gaps in financial consumer protection system and blind spots in practice because of the separated supervision mode in our country. We should set up an independent financial consumer protection institution as soon as possible on the basis of drawing lessons from the legal system of financial consumer protection in the United States. Ensure fairness and transparency in financial consumption.
【作者单位】： 天津财经大学法学院;
【基金】：中国法学会部级研究课题“金融产品定价的法律规制研究”(CLS2011D31)阶段性成果 天津市高等学校人文社会科学研究项目“金融衍生品定价的法律规制研究”(20102705)阶段性成果 天津财经大学预研性课题“资产定价模式下金融风险防范法律制度研究”(Y1102)阶段性成果
【分类号】：D971.2;D922.28;D923.8
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本文编号：1930379