イギリスにおける金融サービス消費者の保護システム : 金融サービス機構(FSA)を中心に

概要

論文の詳細を見る
New types of personal pension products have been selling increasingly well since October 2002 when banks were allowed to sell them for the first time in Japan. Financial deregulation started in 1997, allowing various financial products to be supplied to customers who do not understand the risks involved in the products without sufficient explanations by the financial institutions. As a result, many customers incurred huge losses when the asset prices plunged later on. We show that, because of the asymmetric information between financial institutions and the customers, financial regulatory-supervisory systems ought to be strengthened and protection of consumers, as well as promotion of consumer education for attaining higher financial literacy, is badly needed; therefore Japan's Financial Services and Markets Act should be enacted without delay.
関西学院大学の論文
2004-03-20