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金融监管的民主化,不仅契合当代民主发展的潮流,更有助于推动金融业健康有序地发展。作为协商民主的重要实践形式,听证机制是金融监管民主化进程的必然选项。构建金融监管听证机制,是落实协商民主的实践需要,亦是防止金融监管权滥用、确保金融监管决策合理适当的重要举措。在金融监管决策过程中,监管机关、利益相关方及相关专家通过听证机制进行自由而平等地协商,以维护和发展社会公共利益为价值追求,最终做出决策。金融监管听证机制包括听证议题确定规则、听证信息公开规则、听证代表遴选规则、听证主持人中立规则、听证辩论规则、听证笔录排他规则和听证救济规则。
The democratization of financial regulation not only meets the trend of contemporary democratic development, but also helps promote the healthy and orderly development of the financial industry. As an important practical form of deliberative democracy, the hearing mechanism is an inevitable choice for the democratization of financial regulation. Establishing a mechanism for hearing the hearing of financial regulation is a practical need for implementing consultative democracy and is also an important measure to prevent the misuse of financial regulatory authority and ensure a reasonable and appropriate financial regulatory decision. In the process of financial supervision and decision-making, regulators, stakeholders and relevant experts negotiate freely and equitably through the hearing mechanism, pursue the value pursuit of safeguarding and developing the social public interest, and make the final decision. The financial supervision and hearing mechanism includes the rules for determining the hearing issue, the rules for publicizing the hearing information, the selection rules for the hearing representatives, the neutral rules for the hearing moderators, the rules for hearing the hearings, the exclusive rules for the hearing records and the rules for hearing relief.