监管视角下金融消费权益保护的认识与实践——以广东省为例

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鉴于金融消费权益保护在功能监管体系中的重要性,合理解释和准确适用金融消费权益保护在地域金融监管实践中的角色和作用就显得尤为重要。本文以中国人民银行广州分行在实践金融消费权益保护中的作为为切入点,重点考察了在当前社会治理方式创新层出不穷的情况下,中国人民银行广州分行通过厘清市场和政府的职责和作用,引入金融消费权益保护专门社会组织填补金融消费权益保护社会组织缺位的考量和做法。此外,本文还探讨了金融消费者权益保护的主要方面和未来趋势。 In view of the importance of the protection of financial consumer rights in the functional supervision system, it is very important to explain and accurately apply the role and function of protection of financial consumer rights in the practice of regional financial regulation. Based on the practice of the People’s Bank of China Guangzhou Branch in practicing the protection of the rights and interests of financial consumption, this paper focuses on the current situation of social governance innovation in an endless stream, the People’s Bank of China branch in Guangzhou by clarifying the market and the role of government, the introduction of Financial Consumption Rights Protection Special Social Organizations to Fill Financial Consumption Rights and Interests Protection of Social Organization Absence Considerations and Practices. In addition, this article also explores the main aspects and future trends of financial consumer protection.
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