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随着2008年美国金融危机的爆发与延续,各国均在探讨如何通过法律方式对金融消费安全进行有效规制,以促进对金融消费者的保护。随着金融改革的全面展开,相关的立法和监管机制变革正在酝酿和实践之中。如何应对不断变化的现实条件,建立有效的金融消费监管机制,并与面向未来的金融监管体系相对接是一项重要课题。一、规制现状与困境(一)概念界定金融消费是人们为了满足自身消费和理财需求,享受金融机构提供的服务,购买金融
With the outbreak and continuation of the U.S. financial crisis in 2008, all countries are exploring ways to effectively regulate the financial consumer safety through legal means so as to promote the protection of financial consumers. With the full implementation of financial reform, changes in relevant legislative and regulatory mechanisms are brewing and practicing. How to deal with the changing realities, establish an effective regulatory mechanism for financial consumption and link it with the future-oriented financial regulatory system is an important issue. First, the status quo and the plight of the regulation (a) the concept of defined financial spending is that people in order to meet their own consumer and financial needs, enjoy the services provided by financial institutions, the purchase of financial