当下,金融消费纠纷解决方式日趋多元化发展,各国在法政策上加强了对“诉讼外纠纷解决机制”(Alternative Dispute Resolution,以下称ADR)的重视,明显朝着诉讼与ADR相互协动的立场倾斜。在这样的背景下,如何利用ADR机制处理与日俱增的金融消费案件,构筑金融纠纷的多元解决机制,亦成为各国理论与实务上的共有课题。在立法上,英国是最早开始建构金融ADR法制的国家,其“金融申诉专员服务制度” Nowadays, the solution to the financial consumer disputes has been increasingly diversified. All countries have stepped up their emphasis on the “Alternative Dispute Resolution” (ADR) in their policies on law and have obviously moved towards the interaction of litigation and ADR The position is tilted. Under such a background, how to deal with the increasing number of financial consumption cases by using the ADR mechanism and build a multi-resolution mechanism for financial disputes has also become a common issue in theory and in practice in various countries. In legislation, the United Kingdom is the earliest country to start building a legal system for financial ADRs, and its “Financial Ombudsman Service System”