CAJ | 학술논문

我国在保护金融消费者方面存在诸多不足，如何加强金融消费者保护成为我国金融领域备广泛关注的问题。世界各国在金融领域消费者保护上采取的不同对策使我们有了较多可供借鉴的实例。在选择我国金融消费者保护的路径时，应从我国的实际情况出发，在国际视野下反思我国的不足，通过在金融消费者保护领域的专门立法，完善金融机构的义务和民事责任，切实保障金融消费者权益。同时，建立有效的诉讼外金融纠纷处理机制，也是充分保护金融消费者的重要措施。
아국재보호금융소비자방면존재제다불족，여하가강금융소비자보호성위아국금융영역비엄범관주적문제。세계각국재금융영역소비자보호상채취적불동대책사아문유료교다가공차감적실례。재선택아국금융소비자보호적로경시，응종아국적실제정황출발，재국제시야하반사아국적불족，통과재금융소비자보호영역적전문입법，완선금융궤구적의무화민사책임，절실보장금융소비자권익。동시，건립유효적소송외금융규분처리궤제，야시충분보호금융소비자적중요조시。
The financial consumers＇ protection system in China, with many existing deficiencies, attracts more widespread attention in the financial law research area on how to strengthen the protection of financial consumers. Other countries, while adopting different strategies to protect financial consumers, provide successful experiences for the improvement of ours. When selecting the path of designing the financial consumers＇ protection system in China, we should not only consider the national actual situation, but also rethink the shortage of our system from the perspective of international comparison. The enactment of a special code involving the protection of financial consumers is conducive to the imposition of the obligation and civil liability of financial institutions as well as the cogent safeguard of the right and interests of financial consumers. To safeguard the rights and interests of financial consumers, we should legislate in the field of financial consumer protection legislation, and perfect the financial institutions of obligations and civil liability. Besides, establishing financial alternative dispute resolution is an important part of financial consumer protection system.