CAJ | 학술논문

加强对金融消费者的保护是对国际金融危机的主要反思结论，但同时又要警惕保护过度和保护失度对金融机构、金融消费者自身、金融行业所带来的负面影响。在进行金融消费者保护的具体制度设计时必须把握好保护的“度”，做到横向适度与纵向适度。金融消费者保护的横向适度就是要实现全面一般保护与特殊群体特殊保护之间的平衡，实行金融消费者保护的差异化，区别对待不同金融消费者。金融消费者保护的纵向适度就是要寻求加强金融消费者保护与推动金融创新之间的平衡，治理金融排斥与控制低端金融市场无序发展之间的平衡。
가강대금융소비자적보호시대국제금융위궤적주요반사결론，단동시우요경척보호과도화보호실도대금융궤구、금융소비자자신、금융행업소대래적부면영향。재진행금융소비자보호적구체제도설계시필수파악호보호적“도”，주도횡향괄도여종향괄도。금융소비자보호적횡향괄도취시요실현전면일반보호여특수군체특수보호지간적평형，실행금융소비자보호적차이화，구별대대불동금융소비자。금융소비자보호적종향괄도취시요심구가강금융소비자보호여추동금융창신지간적평형，치리금융배척여공제저단금융시장무서발전지간적평형。
To strengthen the protection of financial consumers is the main conclusion of the reflection on this international financial crisis , but we must pay attention to the negative effect of excessive protection on financial institutions , financial consumers and financial industry. In the design of financial consumer protection system we must have a good grasp of the “degree”, and try to achieve the target of transverse and longitudinal moderate. To achieve the transverse moderate target of financial consumer protection , the essence is to realize the balance between fully general protection and special groups protection, to implement the differential protection strategy; To achieve the longitudinal moderate target of consumer financial protection , the key lies in seeking the balance between strengthening financial consumer protection and financial innovation , the balance between the management of Financial Exclusion and controlling the equilibrium development of the low-end financial market.