CAJ | 학술논문

我国金融中心虽有一系列的金融调解机制,但其作用有限,以至于大部分金融争端为金融诉讼所解决,金融调解机制陷入了套数多但应用少的困境。金融调解机制的困境在于其与金融诉讼的比较中处于劣势,具体表现为金融调解未能兼具专业性、中立性、独立性、受案范围广和收费标准低的特性,金融调解协议无强制执行力,公众知悉度低。本文认为,我国金融中心可以采取将多套金融调解机制整合为一套金融调解机制、对大部分金融消费案件实行先调解后裁决制度、调解案件不收费或低收费的做法,来改变金融中心调解机制的比较劣势。
아국금융중심수유일계렬적금융조해궤제,단기작용유한,이지우대부분금융쟁단위금융소송소해결,금융조해궤제함입료투수다단응용소적곤경。금융조해궤제적곤경재우기여금융소송적비교중처우열세,구체표현위금융조해미능겸구전업성、중립성、독립성、수안범위엄화수비표준저적특성,금융조해협의무강제집행력,공음지실도저。본문인위,아국금융중심가이채취장다투금융조해궤제정합위일투금융조해궤제、대대부분금융소비안건실행선조해후재결제도、조해안건불수비혹저수비적주법,래개변금융중심조해궤제적비교열세。
There is a series of financial mediation instruments in Ehina＇s financial centers. But, the role of them has not been fully utilized. So, the majority of financial disputes have been solved by the financial litiga- tion and the mechanism has developed to a dilemma that is ＂multiple instruments but little utilization＂. The causes resulting in the difficulty are that these instrmnents do not qualify simultaneously the characteristics of specialty, neutrality, independence, broad cases standing and low costs, that financial mediation agreements can not been enforced and that the instruments have been low public knowledge. As a result, the system is disadvantageous compared with the financial litigation. China can take some countermeasures such as melting the multiple instruments into one instrument, the mediation and finding of the most financial consuming disputes, and no charges or low cost for the mediation in order to change the current comparative disadvantage of the mechanism.