【作者】 杜挺；

【导师】 熊金才；

【作者基本信息】 汕头大学 ， 行政管理， 2011， 硕士

【摘要】 由于目前我国金融监管体系不完善，金融产品和服务消费者在权益受损时并未能受到很好的保护，且广大民众由于金融知识的匮乏而在面临金融风险时束手无策。因此消费者迫切需要一种金融领域的纠纷解决机制，以便更好地帮助解决与金融企业或公司发生的纠纷，切实维护和保障好消费者的合法权益。而老牌的发达资本主义国家——英国，以其成熟的金融市场，科学的金融监管体系和完善的消费者保护权益保护制度享誉全球，成为我国最佳的借鉴对象之一。英国的金融监管目标是：一是保持公众对英国金融系统和金融市场的信心；二是向公众宣传，使公众能够了解金融系统及与特殊金融产品相连的利益和风险；三是确保为消费者提供所需的保护；四是为发现和阻止金融犯罪提供帮助。英国金融监察专员制度则是英国金融监管实现保持公众对金融系统和市场的信心，向公众宣传金融相关知识，确保为消费者提供所需的保护等目标的重要制度之一，借鉴英国金融监察专员制度对我国具有重大意义。监察专员制度并非英国首创，本文首先介绍监察专员制度的历史和由来，此后本文叙述了英国监察专员制度的发展历程，并将英国不同领域、种类繁多的监察专员进行梳理概括，再从理论和实务的层面深入阐述了英国金融监察专员制度的成立背景、职责和运作以及运作程序，并以小见大，分析英国金融监管制度在立法、机构设置、协调机制等方面的优点和长处，以证明金融监察专员制度能够在英国长期有效地运行具有其必然性。其次，如何借鉴英国金融监察专员制度也是一个重要问题，本文从我国金融经营模式、自律组织的建设，加强对金融监管人员的培训，为公众建立起完善的金融教育体系三个方面分析借鉴的路径。最后，本文深入阐述我国应从提高金融监管机构的独立性，加强对金融消费者权益的保护，增强金融监管法律法规的可操作性，明确金融监管目标，提高我国金融监管机构的服务意识等方面对英国金融监察专员制度进行借鉴。更多还原

【Abstract】 In China,the financial supervision system can not offer sufficient protection to theconsumers to prevent their property from trespass because our nation’s financialsupervision’s system is not perfect. Besides, ordinary people have not been educatedto handle the financial risks. Therefore, consumers need a kind of service to sort outcomplaints that consumers and financial businesses can not resolve themselves. TheFinancial Services Authority’s statutory objectives: A. Market confidence—maintaining confidence in the UK financial system; B. financial stability—contributing to the protection and enhancement of stability of the UK financial system;C. consumer protection—securing the appropriate degree of protection for consumers;and D. the reduction of financial crime—reducing the extent to which it is possible fora regulated business to be used for a purpose connected with financial crime. And theFinancial ombudsman Service’s work involves looking at complaints about a widerange of financial matters so as to maintain the market’s confidence and educatepeople about the financial knowledge. So it is significant to our country to draw onthe FOS of U.K..The ombudsman scheme is not created by UK, therefore, in the present paper, thehistory of ombudsman is introduced at first, then to introduce the history ofombudsman in UK and sort out various ombudsmen in UK, prove the FOS is good forUK, Financial Ombudsman Service Ltd. in UK is introduced in detail regarding itsfounding background, responsibilities, operations and procedures for disputesresolution.The present paper points out the problems that exist in Chinese financial supervisionsystem. From the perspective of necessity and feasibility, our country’s currentfinancial supervision needs to be reformed on the ground of FOS. For our country, the important issue is how to learn from the FOS. In the presentpaper, the crucial ways to draw on the FOS are to change the operation from SeparateOperation to Mixed Operation; to train the staff;and to establish the Self-regulatoryorganizationsAt last, this paper elaborates that our country could borrow the FOS in UK from thefollowing aspects: A. To enhance the independence of financial supervisions; B. Toheighten financial consumer duties; C. To strengthen the supervision over financiallaw enforcement. D. To adopt a definite major purpose and improve the serviceconsciousness.更多还原