金融部门外部争议解决方案的演变和巩固:从银行监察员到澳大利亚金融投诉管理局

I. Ramsay, M. Webster
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引用次数: 1

摘要

澳大利亚银行业监察专员(“ABIO”)是澳大利亚第一个由行业成员在国家一级设立和资助的外部争议解决(“EDR”)计划。它于1990年投入使用。ABIO是解决金融服务提供商和消费者之间纠纷的电子数据记录计划发展的重要的第一步。在一个阶段,金融部门有七个不同的行业资助的EDR计划。然而,多种方案的存在证明是有问题的。2008年,几个EDR计划合并,成立了金融监察员服务机构(FOS)。2018年11月,FOS、信贷和投资监察员以及退休金投诉法庭被澳大利亚金融投诉管理局(Australian Financial Complaints Authority)这一单一机构取代。本文考察了ABIO的建立,概述了在金融部门运营的行业建立的EDR计划的扩展,然后考虑了整合这些计划的论点。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Evolution and Consolidation of External Dispute Resolution Schemes in the Financial Sector: From the Banking Ombudsman to the Australian Financial Complaints Authority
The Australian Banking Industry Ombudsman (‘ABIO’) was the first external dispute resolution (‘EDR’) scheme set up and funded by industry members at a national level in Australia. It came into operation in 1990. The ABIO was a significant first step in the development of EDR schemes to resolve disputes between financial service providers and consumers. At one stage there were seven different industry-funded EDR schemes in existence in the financial sector. However, the existence of multiple schemes proved to be problematic. Several of the EDR schemes merged in 2008 to create the Financial Ombudsman Service (‘FOS’), and in November 2018, FOS, the Credit and Investments Ombudsman and the Superannuation Complaints Tribunal were replaced by a single body, the Australian Financial Complaints Authority. This article examines the establishment of the ABIO, outlines the expansion of industry-established EDR schemes operating in the financial sector, and then considers the arguments for the consolidation of the schemes.
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