Question

哪位大哥可以帮我把这段文字翻译成英文啊，在线翻译太不靠谱了~！！多谢了

金融消费者保护是一个全球问题，大多数国家对金融消费者权利的保护都不尽如人意，且各有各的问题。由于金融产品外部性、信息不对称、金融领域的复杂性、金融监管当局的忽视等原因，消费者权利在金融领域难以得到有效的保护和伸张，由此形成和消费者保护的洼地。2008年次贷危机的爆发证明，无论美国模式还是英国模式的监管都有待进一步改进。
危机的爆发以惨痛的代价唤醒了金融消费者的权利意识，但是危机如同大风浪，只能惊醒金融消费者和金融监管者，金融消费者保护的途径仍需要进一步探索。更为严重的问题是，随着危机的淡去，“金融消费者保护”的话题也会逐渐淡出视野，毕竟追求金融稳定和金融发展是金融监管机构的首要任务，为此将“金融消费者保护”制度化，以制度建设来维持消费者利益是一种长效机制。由于金融的复杂性，借由监管干预和强化金融消费者权利保护是主要的制度化途径。
各国金融消费者问题的差异决定了各国金融给消费者保护监管也各不相同，虽然以美国为代表的若干发达国家已勾画出较为完整的金融消费者权利保护监管的基本脉络，但是并不能产生全球性的示范效应和带动效应，难以对包括我国在内的各国监管实践的完善带来较充分的理论支撑，但构建金融消费者保护监管基本框架的实际已经成熟。本文试图建议这样一个框架体系，借以完善我国的金融消费者权利保护监管体系。

Answer 1

Financial consumer protection is a global problem, most of the countries of the financial consumer protection are not just as one wishes, and each have their own problems. Because of the financial products externality, information asymmetry, the complexity of financial field, financial supervision authorities neglect and other reasons, the consumer rights in the field of finance is difficult to be effectively protected and extension, and consumer protection depressions formed therefrom. In 2008, the subprime crisis that, regardless of the United States of America mode or the British model of regulation have yet to be further improved.The outbreak of the crisis to a painful price awaken the financial consumer rights awareness, but the crisis as the waves, only to wake the financial consumers and financial regulators, consumer financial protection ways still need further exploration. A more serious problem is, as the crisis fades," financial consumer protection" topic will gradually fade out of sight, after all, the pursuit of financial stability and financial development is the primary task of financial regulators, this will be" financial consumer protection" system, with the system construction to maintain consumer interest is a kind of lasting effect mechanism. As a result of financial complexity, by regulatory intervention and strengthen the protection of the rights of financial consumers are the main institutional way.The financial consumer problem determines the difference of national financial to consumer protection regulation also each are not identical, although in the United States on behalf of a number of developed countries has draw more complete protection of the rights of financial consumers supervision basic context, but does not have a global demonstration effect and driving effect, difficult for every country including China supervision practice about the consummation of a sufficient theoretical support, but the construction of the financial consumer protection regulation framework it is ripe. This paper attempts to propose such a framework, in order to perfect China's financial supervision system of consumer rights protection.

Answer 2

Financial consumer protection is a global problem, most countries on the financial consumer right protection is not satisfactory, and each has its own problems. Because financial products externalities, asymmetric information and the complexity of the financial sector, financial supervision authorities of neglect, and other factors, the consumer rights in the financial sector is hard to get effective protection and stretching, thus forming and consumer protection depressions. In 2008 the subprime crisis proof, whether the American model of the British model or regulatory are further improved.

The outbreak of the crisis with a painful price awakens the financial consumer rights consciousness, but crisis as big waves, can wake the financial consumers and financial regulators, financial consumer protection way still need further investigation. More serious problem is, as the crisis disappeared, "the financial consumer protection issue will gradually fade out the vision, after all pursuing financial stability and financial development is the financial regulators first priority, so it will" financial consumer protection "institutionalized, by taking the system construction to maintain the interests of consumers is a long-term mechanism. Because of the complexity of the financial, borrows by regulatory intervention and strengthen financial consumer rights protection is the main institutional way.

The differences between the various countries' finance consumers to the various countries' finance to consumer protection regulation also each are not identical, though in the United States, for representatives of several developed countries already lays out more complete financial consumer rights protection supervision of basic contexts, but does not produce global demonstration effect and driving effects, is difficult to every country including China practice brings a perfect supervision of fully support theory, but building financial consumer protection regulation of the basic framework of the actual is ripe. This paper attempts to suggest such a framework system, so as to perfect our country's financial consumer rights protection supervision system.

Answer 3

Financial consumer protection is a global problem, most countries on the financial consumer right protection is not satisfactory, and each has its own problems. Because financial products externalities, asymmetric information and the complexity of the financial sector, financial supervision authorities of neglect, and other factors, the consumer rights in the financial sector is hard to get effective protection and stretching, thus forming and consumer protection depressions. In 2008 the subprime crisis proof, whether the American model of the British model or regulatory are further improved.
The outbreak of the crisis with a painful price awakens the financial consumer rights consciousness, but crisis as big waves, can wake the financial consumers and financial regulators, financial consumer protection way still need further investigation. More serious ?