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title="分享到腾讯微博"></a><a href="#" class="bds_renren" data-cmd="renren" title="分享到人人网"></a><a href="#" class="bds_weixin" data-cmd="weixin" title="分享到微信"></a></div> <script>window._bd_share_config={"common":{"bdSnsKey":{},"bdText":"","bdMini":"2","bdMiniList":false,"bdPic":"","bdStyle":"0","bdSize":"16"},"share":{}};with(document)0[(getElementsByTagName('head')[0]||body).appendChild(createElement('script')).src='http://bdimg.share.baidu.com/static/api/js/share.js?v=89860593.js?cdnversion='+~(-new Date()/36e5)];</script>  </span><span id="i2i2jyu4k" class="fr">分享到：<img src="http://www.rmzxb.com.cn/images/fx.jpg" /> </span> </div> <div id="i2i2jyu4k" class="text_box"> <p align="center"> <p style="text-indent: 2em; text-align: left;"><span style="text-indent: 2em; font-family: inherit;">原标题：是该建立统一的金融消费者?；せ沽?/span><br/></p><div style="text-indent: 2em; text-align: left;"><div class="i2i2jyu4k" id="endText" style="text-indent: 2em; text-align: left;"><p style="text-indent: 2em; text-align: left;">在互联网金融业态众多的今天，现有“分业监管机构”消费者?；ぬ逑狄巡荒芡耆；そ鹑谙颜?。</p><p style="text-indent: 2em; text-align: left;">2008年美国次贷危机发生以后，世界各国除了加强对金融市场监管之外，也加强了对金融消费者的?；ぃ乇鹗嵌阅切┙鹑谥肚啡?、承担损失能力有限的消费者的保护成为国际金融监管的最重要内容之一。</p><p style="text-indent: 2em; text-align: left;">我国政府同样重视金融消费者权益?；すぷ鳎耙恍腥帷甭叫枇⒘私鹑谙讶ㄒ姹；つ诓炕?，各自承担金融消费者权益?；ぶ澳埽直鹞泄嗣褚小敖鹑谙讶ㄒ姹；ぞ帧?、中国银监会“银行业消费者权益?；ぞ帧薄⒅泄ぜ嗷帷巴蹲收弑；ぞ帧焙椭泄＜嗷帷氨Ｏ障颜呷ㄒ姹；ぞ帧?，共同构成了我国“分业监管模式”下的中央层面金融消费权益?；た蚣?。</p><p style="text-indent: 2em; text-align: left;">现有机构难切实保护金融消费者权益</p><p style="text-indent: 2em; text-align: left;">多年来，原“一行三会+四家消保机构”模式虽然积极推动金融消费者?；すぷ鳎〉昧顺ぷ惴⒄?。但由于没有全国统一的金融消费者权益?；せ?，金融消费者投诉受理机制无法形成统一的金融消费者?；け曜?。特别在互联网金融业态众多的今天，现有“分业监管机构”消费者保护体系已不能完全?；そ鹑谙颜?。</p><p style="text-indent: 2em; text-align: left;">首先，多头消?；共⒋嫒菀滓⒄龆嗝牛贾录喙茏试蠢朔?。原“一行三会”消保局成立以来，多头监管经常引发投诉扯皮、职责不清和责任推诿问题，对金融机构和产品监管标准不统一，加之“分业监管机构”不具有协调与统合功能，消费者权益最后依然无法得到切实?；ぁ?/p><p style="text-indent: 2em; text-align: left;">其次，五花八门的消保纠纷解决渠道使得金融消费者保护无法真正进入法制轨道。目前，中国人民银行、银保监会、证监会以及消费者?；ば峋孕刑剿鞑煌耐端呤芾砗途婪捉饩龇绞?，没有统筹建立统一的金融消费者救济渠道。各地处理投诉流程、投诉标准和投诉时限更是无法一致，缺乏全国统一的评判标准和价值取向，很容易引发地方?；ぶ饕搴透髯晕侍?。</p><p style="text-indent: 2em; text-align: left;">因此，如果继续沿用原“一行三会+四家消保机构”老旧模式，必定捉襟见肘，难以遏制违法侵权行为，难以应对互联网金融市场全覆盖、高强度和大跨度的严监管要求。</p><p style="text-indent: 2em; text-align: left;">建立全国统一的金融消费者保护机构</p><p style="text-indent: 2em; text-align: left;">为此，我们有必要对现行金融消费者?；せ菇懈母铮⑷骋坏慕鹑谙颜弑；せ梗枇ⅰ敖鹑谙颜弑；ぞ帧保晌岢构裨航鹞任泄亍扒炕形喙芎拖颜弑；ぶ澳堋钡闹葱谢?。统一金融消费者权益处置标准，构建全国统一的金融消费纠纷解决机制，统一从中央到地方的消保投诉、审理程序和收费标准，强化全国各地金融监管部门的执行能力，为金融市场投资者权利保护提供可靠制度保障。</p><p style="text-indent: 2em; text-align: left;">我们设想，金融消费者?；ぞ至ナ糁泄嗣褚校饕涸鹜菩薪鹑谙颜弑；ぜ苹喽浇鹑谙颜弑；な凳?，指导和推动一行两会的金融消费者保护工作的国家行政管理机构。其主要职责包括：一是拟订金融消费权益?；ふ叻ü娌莅负凸嬲轮贫龋欢强苟砸幸?、保险业和证券业消费者权益保护工作的指导和协调，彻底改变金融消费者保护的多头局面和混乱状态，节约监管成本和司法成本；三是检查并查处有关侵犯金融消费者权益的违法违规行为；四是组织开展金融消费者教育和咨询服务；五是加强与工商行政管理部门、消费者协会、各金融行业协会协调；六是开展对外交流，参与制定国际金融消费权益?；す嬖蚝捅曜迹忧拷鹑谙颜弑；さ墓屎献?。</p><p style="text-indent: 2em; text-align: left;">毫无疑问，“金融消费者?；ぞ帧苯行Ы饩觥耙恍卸帷?、金融行业协会、消费者协会在消费者权益?；さ男魑侍猓匀鞯亟鹑诨?、监管部门和司法机关起到统筹调配作用，为金融消费权益?；ぬ峁└咝?、完善的组织保障和功能保障。</p><p style="text-indent: 2em; text-align: left;">当然，金融消费者?；げ⒚挥幸桓龇胖暮６宰嫉钠帐婪椒?，只有不断改革和探索才能走出一条让全体金融消费者满意的路径。</p><p style="text-indent: 2em; text-align: left;">今天，严监管已成为当今金融市场的主旋律，我们希望能在金融消费者?；せ孤氏雀母?，重塑我国金融消费者?；せ?，着力解决金融市场中消费者权益?；さ氖贝翁猓獬晌夜鹑诩喙芨母镏凶钣行?、最实在的任务之一。</p></div></div> </div> <p class="Editor">编辑：曾珂 </p> <div id="i2i2jyu4k" class="Paging"> </div> <p class="Keyword">关键词：是该建立统一的金融消费者?；せ沽?/p> <h1 class="pv_title_2 mt_15"><a target="_blank" class="more mtb_14">更多</a><span id="i2i2jyu4k" class="t" id="a3"><a ><img src="http://www.rmzxb.com.cn/images/xg_t1.jpg" /></a></span></h1> <div id="i2i2jyu4k" class="pa_0_5_0_10"> <ul class="Related_ul bh_150"> </ul> </div> <div style="height:40px"></div>  <div id="i2i2jyu4k" class="advContent"><div style="height:40px"></div><script charset="gbk" src="http://p.tanx.com/ex?i=mm_58500226_6900940_24396084"></script></div>  <h1 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