摘要
大湾区跨境理财通的推出拓宽了粤港一地消费者与另一地金融机构的交易渠道,也增加了有关纠纷发生的可能性。两地现有金融消费纠纷调解机制差异较大,缺乏相应的合作机制,使消费者在解决跨境金融消费纠纷时面临一定的障碍。大湾区内地方面应以理财通为突破口,完善金融消费纠纷调解机制,推动建立跨境金融消费纠纷咨询服务及案件资料移交机制,制定跨境金融消费纠纷调解员名册,并借助调解协议转化为仲裁裁决的方式间接实现调解协议的跨境执行,促进粤港金融消费纠纷调解制度的衔接和协调,便利粤港金融消费者解决跨境纠纷。
The Cross-boundary Wealth Management Connect Scheme has broadened the transaction channels between consumers in Guangdong and Hong Kong region and financial institutions in another,which also increase the possibility of related disputes.The existing mediation mechanisms for financial consumption disputes in Guangdong and Hong Kong region are quite different,and the lack of corresponding cooperation mechanisms has caused consumers to face certain obstacles in resolving cross-border financial consumption disputes.Guangdong should improve its financial consumption dispute mediation mechanism,promote the establishment of Guangdong-Hong Kong region cross-border financial consumption dispute consultation service and case transfer mechanism,formulate a roster of cross-border financial consumption dispute mediators,and indirectly realize the cross-border execution of the mediation agreement by transforming mediation agreements into arbitration awards,promote the convergence and coordination of the mediation systems of financial consumption disputes in the two places,and facilitate the settlement of cross-border disputes by financial consumers in Guangdong and Hong Kong region.
出处
《商事仲裁与调解》
2022年第2期82-96,共15页
Commercial Arbitration & Mediation
基金
广东省教育科学“十三五”规划2019年度高校哲学社会科学专项研究项目《粤港澳大湾区金融业协同发展法律问题研究》(项目编号:2019GXJK081)
深圳市哲学社会科学规划课题项目《粤港澳大湾区商事纠纷解决机制的合作创新》(项目编号:SZ2020B023)的阶段性成果
关键词
理财通
粤港
跨境金融消费纠纷
调解
Cross-Boundary Wealth Management Connect Scheme
Guangdong-Hong Kong Region
cross-border financial consumption dispute
mediation
