爱尔兰的金融消费者保护（英）

Investment Rating - The report assesses the financial consumer protection supervisory functions of the Central Bank of Ireland as well aligned with the G20/OECD High-Level Principles on Financial Consumer Protection, indicating a positive investment outlook for the sector [30][93]. Core Insights - The Central Bank of Ireland has significantly strengthened its consumer protection framework over the last decade, aligning with global standards and adapting to the evolving financial services landscape [6][30]. - The OECD review highlights the Central Bank's commitment to continuous improvement and responsiveness to consumer needs, emphasizing the importance of consumer engagement and effective communication [7][21]. - The report identifies areas for improvement and provides recommendations to enhance the Central Bank's supervisory functions, focusing on integrated approaches and data utilization [37][60]. Summary by Sections Executive Summary - The review evaluates the Central Bank's functions against the G20/OECD FCP Principles, identifying strengths and areas for improvement [30][31]. - Recommendations are provided to support the Central Bank's transformation and enhance consumer protection outcomes [37][60]. Introduction - The review aims to map the Central Bank's supervisory functions against the FCP Principles, considering the broader financial consumer protection landscape in Ireland [41][43]. - The Central Bank's strategy emphasizes continuous improvement and adaptation to a changing financial environment [36][41]. Key Findings and Recommendations - The Central Bank is recognized as a mature oversight body with effective policies to monitor financial markets and improve consumer outcomes [55][93]. - Recommendations are grouped into six themes, including ensuring consumer protection within an integrated supervisory approach and enhancing consumer engagement [60][77]. Mapping of Supervisory Functions - The report details the legal, regulatory, and supervisory framework governing financial consumer protection in Ireland, highlighting the Central Bank's role [106][107]. - Specific principles are outlined, detailing the Central Bank's practices and alignment with international standards [104][106]. Assessment of Functions - The assessment indicates that while the Central Bank's functions are well-aligned with the FCP Principles, there are opportunities for further strengthening its supervisory capabilities [37][93]. - The report emphasizes the importance of consumer trust and the need for effective communication regarding financial products and services [54][87].