金融危机后英国金融消费者保护机制的演变及对我国的启示

。2000《》。FSAFinancialServiceAuthority。。。200433、1．。。1986“”。1986《》。2090、。MichaelTaylor“”Twin-peaks。①。·051·①MichaelTaylor“TwinPeaks”ARegulatoryStructurefortheNewCentury10－11Ctr．fortheStudyofFinancialIn-novation1995。2011326No．32011Vol．26。2．。9。、“”。①、。。。。。、、。。1995。。。。。②。、1．《2000》FinancialServ-icesandMarketsAct2000FSMA《2000》、、、“”Financialconsumer“”。③ProfessionalConsumerProfessionalConsumer。、、。④。1997。10⑤。《2000》FSA·151·①②③④⑤《》199868—79。。《》2002143。FinancialSerricesandMarketsAct2000PartⅠ．53。《》《》20101。10SIB、SFA、PIA、IMRO、、RFC、BSC、FSC、UKLA。、。FSA、。《2000》。30433、、、、、、。2．《2000》。FSA、FSCS、FSA。①FSA“”。“、”、FOS。FSA、FSA。②3．20016FSA《》TreatingCustomersFairlyTCF35。20055FSA《》。FSA、、、。4．FOSFOS。。FSMA。FSAFOS。FOSAlternativeDisputeResolutionsystemADRs。ADRsFOS、、、、、、、、、FOSFOS。5．FSA2000。《2000》·251·①②《》《》20045。《》《》20081。FSA、。2003751000。。2007115020006%—7%。①、。、FSA。FSA。FSA。②FSA。FSAFSA、。CFS、。、、、、、、FSCS。。1FSA、2010831。500、。FSAFSCS7。③2010311FSA、OFT、FOS《》FSA、OFT、FOS。④20104“CFEB”、、。TCF。、1．FSA·351·①②③④《》《》201012。ReformingFinancialMarketsEB/OL．http//．hm－treasury．gov．uk/reforming_financial_markets．htm2009－07－08。《》《》20104。、、、、《》《》20108。《2000》FOS。FOS、、、。。FOS。FOS。FOS。2．“”“”。FSA。、、“”。①3．《》。。。、。。②、1．。2006《》。。。。。2．。《》、《》、《》、《》。、、、。《》·451·①②《———FSA》《》200713。《》《》20102。。。《》。3．。、、。、、。。。FOS。FOS。4．。①。。、、。②5．。。、、。《》。③。·551·①②③《》《》20101。《》《》20107。《———》《2010》2010667。themselvesashighernationthetruemasterofManchuria．TheComparisonBetweenXiongShilisDuanRanChengJingandMouZongsansSelf-negationofConscienceHanQiangShaoQiuyanOneofthemostimportanttheoriesoftheNew-Confucianismisthemethodtocreatethenewkingoutsideofscienceanddemoc-racyfromtheholyinside．BothXiongShiliandMouZongsanengagedinaseriousstudyofthisproblembydifferentway．DuanRanChengJingusestheYogacaraoftheBuddhismforreferencewiththewisdomasfundamentalandthelogicalreasoningforpracticalusethetheorymakesashowingofboththewisdomandthelogicalreasoningbythepureintellectcultivation．Sothenewkingout-sideofscienceanddemocracyiscreatedfromtheholyinsidebythewayoftheconsistenceofentityandfunction．Thistheoryisper-fectandharmonizeinXiongShilisphilosophysystem．Intheself-negationofconscienceofMouZongsantheessenceofinnateknowingcanshowthepure-understandingwhichisscienceanddemocracyonlybyself-negating．Thistheorycausedcontroversyinacademiawhilemostthinktherewasdeficiency．ThisisbecauseMouZongsandidntinherittheconsistenceofentityandfunctionofXiongShilicompletely．AnEmpiricalStudyontheImpactsoftheUndergraduate-ClassSystemonStudentAcademicAchievementinChinaZhangYuYangBinZhangChunshengZhuHengyuanCollegelifeisacrucialperiodforundergraduatestudentstobuilduptheirphilosophyoftheworldandlifeandisalsoimpor-tantfortheiracademicdevelopment．Besidesinteractionsbetweenteachersandstudentsinteractionsbetweenstudentsthemselvesareanotherkindofsignificantinteractionthatmayinfluencestudentopinionsandacademicachievement．DifferentfromthewesternresidentialcollegeChinahasbeenusingclassasthebasicorganizationalunitofstudentcampuslife．Thepeereffectofclassmatesonstudentachievementisverysignificant．Accordingtotheempiricalstudythemagnitudeandsignificanceofclassmatepeereffectaremuchlargerthanthoseofroommates．Inadditioncomparingtomalestudentsfemalestudentsaremorelikelytobeaffectedbytheirpeers．ReviewandExplorationonNationalSpiritCultivationofCollegeStudentsChenYongMeiHongWangHuanNationalspiritisaspiritualpillarindispensabletosurvivalanddevelopmentforeachpeople．SincethefoundingofnewChinaespeciallythereformandopeningupnationalspiritcultivationofcollegestudentswhichconstantlykeptdevelopingandperfectingincontentcarriereducatorsaswellasotheraspectshadachievedalotofvaluableexperience．Intheneweranationalspiritcul-tivationofcollegestudentsisnotonlythestrongresponsetowesternuniversalvaluesbutalsothepromotionofhighereducationde-velopmentandcollegestudentsoverallqualitiesandspiritualrealm．Thereforeweshouldconstantlyimprovecollegestudentscul-tivatingnationalspiriteffectivenessthroughsettinggoodexamplespracticeofexerciseadvancedmeansofnetworkandself－culti-vationofstudentsandsoon．Post-crisisFinancialReformtheUKFinancialConsumerProtectionMechanismandItsImpactonChina．LiPeiTheUKfinancialconsumerprotectionmechanismrepresentstheworldsmostadvancedconsumerprotectionsystem．Backtothe2000whentheFinancialServicedandMarketsActwaspromulgatedtheregulatoryauthoritieswerefullyawareofconsumerprotectionandmaintainingthecompetitivepositionoftheinternationalfinancialmarketiscloselyrelatedtotheoverallinterests．ThereforeFSAisresponsibleforconsumerprotectionandconsumereducationinordertoenhancepublicunderstandingofthefi-nancialsystemandensurethatconsumersareproperlyprotected．Post-crisiseratheUKsufferedheavylossesinthefinancialsys-temtheregulatoryauthoritiesintendedtoincreasetheregulatorypowersoftheFinancialServicesAuthorityandimprovemonito-ringmechanismstostrengthenconsumercompensationsystemtobuildconsolidateriskpreventionmeasuresetc．Thesereformsareaimedatfinancialconsumerprotectionandtryingtorebuildtheexistingfinancialregulatorysystem．Thisarticlediscussesthefi-nancialcrisistheFinancialConsumerProtectionbeforea