本文通过介绍美国、英国、德国的金融调解制度，使投资者进一步了解境外金融专业调解的情况。

This paper, through the introduction of the United States/British/Germany's financial mediation system,Make investors the further understanding of the overseas financial professional mediation.

美国金融专业调解制度 The United States financial professional mediation system

　　2007年7月30日，美国证券业自律组织将美国证券处理联合会 (National Association of Securities dealers，NASD )与纽约证券交易所（New York Stock Exchange，NYSE）的会员监管业务合并，重组为美国金融业监管局(Financial Industry Regulatory Authority，FINRA)，其证券调解服务在美国占据着主导地位。美国的证券专业调解制度具有以下特点：1、专业性。主要体现在对调解员的要求上，调解员须经过严格的遴选程序，正式上岗前，调解员还必须接受专业化的调解技巧培训。2、效率高。FINRA对证券调解效率有较高要求，所有调解参加者必须是案件的当事人或是拥有授权的代理人，3、成本低。证券调解收费标准相对较低，收费结构简单，仅包括立案费与调解员报酬及开支两部分，便于当事人预测和控制成本。 英国金融专业调解制度

On July 26, 2007,The United States securities industry self-discipline organization will the United States securities processing federation (National Association of Securities dealers,NASD )And the New York stock exchange(New York Stock Exchange,NYSE)Member supervision business merger,Restructuring for the us financial sector supervision bureau(Financial Industry Regulatory Authority,FINRA),Its securities mediation services in the United States in the dominant position.The United States securities professional mediation system has the following features:1/professional.Primarily reflected in the mediators on demand,The mediator must pass strict selection procedures,Before the formal mount guard,The mediator must also accept professional mediation skills training.2/High efficiency.The securities FINRA conciliation efficiency higher demand,All participants must mediation is the party or have authorized agent,3/Low cost.Securities mediation fee standards is relatively low,Fee structure simple,Includes only put on record fee and mediators reward and spending two parts,The parties to forecast and control the cost. Britain's financial professional mediation system

　　英国金融业在1999年以前实行分业管理，各金融行业自发设立了不同的调查专员服务机构。1999年，英国金融监管局（Financial Services Authority，简称FSA）将原来多个机构提供的投诉处理服务和调查员服务整合成一个解决各种金融纠纷的综合性机构金融调查员服务公司（Financial Ombudsman Services, FOS）。英国的金融专业调解制度主要有以下特点：1、统一性。金融调查员服务公司的管辖范围足以涵盖几乎金融行业所有类型的纠纷。2、独立性。金融调查员服务公司根据《金融服务与市场法》的规定获得了独立授权，成为独立的非盈利性的法人，负有限责任。3、收费合理性。金融调查员服务公司的资金来源25%是来自金融企业依法应缴纳的税费，另75%来自于因使用调解服务的金融机构缴纳的费用，纠纷的消费者一方是完全免费的。4、消费者保护的倾向性。程序上有较明显的保护、方便消费者的倾向，例如消费者可以选择是否接受裁决，而相对的金融机构却不得不接受这样的裁决。5、以调解与裁定相结合的方式来解决金融服务消费者与金融机构之间的纠纷。

British financial industry in 1999 years ago the separated management,The financial industry spontaneous set up different survey specialist services.In 1999,,Britain's financial supervision bureau(Financial Services Authority,Referred to as the FSA)More than the original mechanism provides the complaint handling service and investigators service integration into a solution to all kinds of financial disputes comprehensive institutions financial investigators service company(Financial Ombudsman Services, FOS).The UK's financial professional mediation system mainly has the following features:1/unity.Financial investigators services company in the scope of jurisdiction cover almost all types of disputes the financial industry.2/independence.Financial services company according to the investigators[Financial services and ShiChangFa]For the provisions of the independent authorization,Become an independent non-profit legal person,Negative limited liability.3/Charge rationality.Financial investigators service company funds 25% comes from the financial enterprise shall, according to law, should pay taxes,The other 75% from due to the use of mediation service financial institutions pay cost,Dispute consumers one party is completely free.4/Consumer protection orientation.The program is obviously protection/Convenient the tendency of consumers,Such as consumers can choose whether or not to accept the verdict,And relative financial institutions have to accept the award.5/With the combination of mediation and ruling way to solve the financial service consumer and disputes between financial institutions.

德国金融专业调解制度 The German financial professional mediation system

　　1992年，德国推出私人银行调查员程序，以解决客户与银行间发生的法律纠纷，这是德国金融领域第一个庭外的调解程序。私人银行调查员程序的宗旨就是运用简洁的程序设计，实现保护消费者保护的目标，快捷、公正地处理争议，减轻司法机关的负担。调查员程序依据的是私人银行程序章程，即银行自愿加入程序，并承认章程的约束力。德国的私人银行调查员程序结构严谨、影响广泛、社会效果良好，无论对于消费者还是银行都易于接受。德国金融专业调解制度有以下特点：1、其基本程序规则比法庭灵活，运行时间也短于诉讼时间，避免了漫长的司法程序。2、对于消费者免费，消除了消费者的费用风险，且调解书对消费者也没有必然约束力。3、仅对5000欧元（合47000元人民币）以下的投诉标的具有约束力。银行不得向普通法院提起诉讼，而投诉人则可向普通法院提起诉讼。

In 1992,,Germany introduced private banking investigators program,In order to solve the customer and the bank between the legal dispute,This is the first German financial field outside the mediation procedure.Private banking investigators program mission is to use simple programming,To realize the goal of protection of consumer protection,fast/Justice to the settlement of the dispute,Reduce the burden of the judicial organs.Investigators procedure is based on the articles of association of private banking procedures,The bank is willing to join program,The articles of association and recognize the binding upon both parties.Germany's private banking investigators program structure is rigorous/Influence widely/Social effect is good,No matter for consumers or Banks are easy to accept.The German financial professional mediation system has the following characteristics:1/The basic rules of procedure than court agile,Running time is shorter than action time,To avoid the long judicial procedure.2/Free for consumers,Eliminate the consumer's cost risk,And the conciliation statement to consumer also not necessarily binding upon both parties.3/Only the 5000 euros($47000 yuan RMB)The following complaints mark have binding upon both parties.Banks are not allowed to common court,And the complainant may to the general court.