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由于我国目前的金融监管强调的是对于金融机构的保护,金融消费者权益保护是我国金融监管薄弱的部分,他们的权益时常受到损害。金融消费者的利益在受到损失的同时,很难得到维护。本文根据我国金融业发展的现状,提出我国金融业监管存在的问题,其原因是对消费者权益的监管机构缺失,相关的法律制度不健全,金融机构信息披露缺乏披露标准,金融消费者的教育没有实施。对针对这些问题提出了相应的对策。
Since the current financial supervision in our country emphasizes on the protection of financial institutions, the protection of the financial consumers’ rights and interests is a weak part of our financial supervision. Their rights and interests are often undermined. The interests of financial consumers suffer at the same time, it is difficult to maintain. According to the status quo of financial industry in our country, this paper puts forward some problems in the supervision of financial industry in our country. The reason is that there is a lack of regulatory bodies for consumers ’rights and interests, imperfect legal system, lack of disclosure standards for financial institutions’ information disclosure, financial consumer education Not implemented. The countermeasures against these problems are put forward.