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A New Way to Solve Disputes Arising Out of Financial Consumption

XIN Hui-qing(Law School of Central unviersity of Finance and Economics,Peking 100081,China)  
At present,solution of disputes arising out of or pertaining to financial consumption mainly depends on media disclosure,politics involvement,lawsuits or correspondent petitions,which seem quite inadequate.Financial agencies supply little for consumers to protect their right and interest and few alternative dispute resolution(ADR) regimes exist in China.In contrast,elsewhere,disputes arising out of financial consumption are solved in a variety of ways,among which ADR plays a significant role.With the concept of "consumer" popular in financial field,it is urgent for China to learn from foreign countries to introduce the concept into her financial laws,and see to it that protection of the interest of financial consumers is held the paramount purpose of financial regulation and control and one of the guiding principles in her financial reform and institutional reconstruction,based on which a multi-way-solution institution may be built to settle disputes arising out of financial consumption.
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