摘要
次贷危机后,金融消费者保护日益受到重视,代表公共利益的监管资源投入到金融消费者保护中的比重加大。维护消费者权利是从法学角度对金融消费者保护监管目标的界定,而消费者效用成为衡量金融监管投入的重要经济学依据。本文通过对消费者权利和消费者效用的分析,对监管目标进行了最大化分析,从而推导出金融监管与金融发展、消费者偏好、金融审慎监管之间的关系。
After the sub-prime crisis, financial consumer protection draws more attention than ever; more regulatory resources which represent the public interest are devoted to the protection of financial consumers. From the legal perspective, the purpose of the financial consumer protection regulation is to protect the rights of consumers, while the maximization of consumer utility is the economic standard to judge whether the regulation works. Through analyzing the rights of consumers and consumer utility, this paper discusses the maximization behavior of regulators, and derives the relationship between financial regulation and financial development, consumer preference and financial prudential regulation.
出处
《金融监管研究》
2013年第3期57-69,共13页
Financial Regulation Research
基金
"上海国际金融中心建设研究基地专项课题"的子课题"上海建立金融消费者保护的长效机制研究"的阶段性研究成果
关键词
金融消费者保护
监管
效用
Financial Consumers Protection
Regulation
Utility
