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目前征信体系建设过程中,金融消费者权益保护机制存在的主要问题是:金融消费者保护法制不健全,对金融消费者的保护还没有真正纳入监管目标,金融机构由于自身利益驱动损害征信主体权利,金融消费者权益保护宣传教育不到位等。有效征信体系中的金融消费者权益保护机制,应当是行政监管、行业自律、机构内控、个人监督与司法救济等多方面保护机制的有机结合。
In the current credit information system construction, the main problems existing in the protection mechanism of financial consumers are as follows: the legal protection of financial consumers is not perfect, the protection of financial consumers is not really included in the regulatory target, and financial institutions are driven by their own interests to damage credit information The main rights, financial consumer protection publicity and education is not in place. The mechanism of protecting the rights and interests of financial consumers in the system of effective credit collection should be an organic combination of the various mechanisms of protection such as administrative supervision, industry self-regulation, internal control of the organization, personal supervision and judicial relief.