兩岸金融消費者保護機制之比較

A Study of Comparison on Cross-Strait Financial Consumer Protection Mechanisms

2008年引發並蔓延全球的金融危機迫使各國重新審視金融監管模式及金融消費者的保護，各國紛紛建立金融消費者保護的機制，藉金融消費者的保護以達到維持金融市場穩定的功能。鑑於臺灣已針對金融消費的爭議的處理，立法來保障金融消費者的權益，並組織一專責機構處理金融消費所產生的爭議，惟中國大陸目前尚無一部專屬金融消費者保護的法律，無法統合有效處理跨業銷售之金融消費糾紛。有鑑於此，本文係藉由臺灣目前所實施的金融消費者保護法及其爭議處理機制，以作為中國大陸未來訂定金融消費者保護法令的借鏡參考，當兩岸均建立完善的金融消費爭議處理機制後，進一步兩岸更可以藉由合作方式共同處理跨境的金融消費爭議案件，以確實保障兩岸金融消費者的權益。

Due to the worldwide financial crisis of 2008, many countries are forced to review their financial supervision mode and financial consumer protection. Countries successively establish the financial consumer protection mechanism in order to maintain the stability of the financial market. Concerning processing financial consumer disputes, in the Taiwan area, the Republic of China has legislated related acts to protect the rights and interests of financial consumers, and organized a non-government agencies to handle financial consumer disputes. However, there are no such exclusive acts of the financial consumer protection in the Mainland area to effectively handle financial consumer disputes. Therefore, this article will expound the Financial Consumer Protection Act and the processing mechanism of financial consumer disputes currently implemented in the Taiwan area as references to the future legislation in the Mainland area. When the two sides across the strait have established a sound processing mechanism of financial consumer disputes, they may further handle crossborder financial consumer disputes by cross-strait cooperation, and certainly protect the rights and interests of financial consumers.