证券市场导报
證券市場導報
증권시장도보
Securities Market Herald
2012年
10期
14~21
,共null页
金融消费者 保护体制 保护原则 分层保护 生活消费 非生活消费
金融消費者 保護體製 保護原則 分層保護 生活消費 非生活消費
금융소비자 보호체제 보호원칙 분층보호 생활소비 비생활소비
financial consumer, protection system, protection principles, layered protection, living cost, non-living cost
本文对金融消费者概念的内涵和外延、保护体制、保护原则等进行了探讨。金融消费者，是指除金融业经营者以外的购买金融产品和服务的所有人。依据金融消费者在交易过程中与经营者相比所处的地位，可以将其分为三个层次，针对不同层次金融消费者应提供不同程度的法律保护。这是金融消费者保护的核心问题。金融消费者保护体制包含规则构建（民事、行政、刑事规则；强制性、自愿性规则）和机构设置（嵌入式和独立式）两个层面。金融消费者保护原则包括：统一保护与分业保护相结合；全面保护与重点保护相结合；倾斜保护与平等保护相结合；程序性保护与实体性保护相结合；事前预防、事中监测与事后救济相结合；法律特别保护与市场主体自我责任相结合。
本文對金融消費者概唸的內涵和外延、保護體製、保護原則等進行瞭探討。金融消費者，是指除金融業經營者以外的購買金融產品和服務的所有人。依據金融消費者在交易過程中與經營者相比所處的地位，可以將其分為三箇層次，針對不同層次金融消費者應提供不同程度的法律保護。這是金融消費者保護的覈心問題。金融消費者保護體製包含規則構建（民事、行政、刑事規則；彊製性、自願性規則）和機構設置（嵌入式和獨立式）兩箇層麵。金融消費者保護原則包括：統一保護與分業保護相結閤；全麵保護與重點保護相結閤；傾斜保護與平等保護相結閤；程序性保護與實體性保護相結閤；事前預防、事中鑑測與事後救濟相結閤；法律特彆保護與市場主體自我責任相結閤。
본문대금융소비자개념적내함화외연、보호체제、보호원칙등진행료탐토。금융소비자，시지제금융업경영자이외적구매금융산품화복무적소유인。의거금융소비자재교역과정중여경영자상비소처적지위，가이장기분위삼개층차，침대불동층차금융소비자응제공불동정도적법률보호。저시금융소비자보호적핵심문제。금융소비자보호체제포함규칙구건（민사、행정、형사규칙；강제성、자원성규칙）화궤구설치（감입식화독입식）량개층면。금융소비자보호원칙포괄：통일보호여분업보호상결합；전면보호여중점보호상결합；경사보호여평등보호상결합；정서성보호여실체성보호상결합；사전예방、사중감측여사후구제상결합；법률특별보호여시장주체자아책임상결합。
This essay is about the concept of financial consumer, the system of consumer financial protection and the principles of consumer financial protection. Financial consumers are people who buy the financial products or accept financial services, except those who sell the financial products or provide the financial services. Considering the different circumstances faced by the financial consumers when dealing with financial institutions, we can classify financial consumers into three types. The financial consumer protection law should be formulated according to the attribution of different types of financial consumers. This is the core of financial consumer protection. The system of protection includes two important issues. The first is the development of rules, the framework of rules should consist of three parts： civil rules, administrative rules, and criminal rules. In addition, it should be the combination of mandatory rules and voluntary rules. As to the administrative bureau of financial consumer protection, there are two models to be chosen. One is embedded model, which means the bureau is located in the financial supervision bureau which has been set up before. The other is independent model, which means the bureau is out of the financial supervision bureau which has been set up before or relatively independent. There are six principles of protection： the combination of integrated protection and distinguished protection; the combination of general protection and special protection; the combination of extra protection and equal protection; the combination of procedural protection and substantive protection; the combination of advanced preventing, persistent monitoring and subsequent remedy; the combination of legal protection and self-responsibility.
