监管细则
监管查询
第一步:进入FCA监管查询页面
方式一:直接访问FCA查询地址:https://register.fca.org.uk/
第二步:输入监管号或公司英文名称
注:如果按公司英文名称搜索,可能会出来好几家公司,这时请根据注册号来进行判别。
第三步:确认监管状态(Status)
常见状态:
(1)受监管状态:Authorised ;
(2)不在受监管状态:No longer authorised;
(3)欧盟监管状态:EEA Authorised;
(4)授权代表状态Appointed representative;
下文举例说明:
(1)Authorised说明目前接受监管
(2)No longer authorised说明监管已注销
(3)EEA Authorised说明是欧盟授权,只允许在英国开展业务,真正的监管机构并不是FCA,而是这家公司所在欧盟国家的监管机构。
(4)Appointed representative是 AR牌照,AR授权代表可以是个人或企业,代表获得受FCA监管或欧盟监管公司的授权许可进行投资服务,由授权公司对授权代表的商业行为负责。
第四步:确认联系信息(Contact Details):网址、地址、电话、邮箱
确认网址,这是非常关键的一步,很多套牌公司就是利用及其相似的网站地址来欺骗投资者,FCA网站也不时发布仿冒公司警告信息。通常合规的,营业中的外汇交易商都会在contact details上登记电话、网址或邮箱(如下图)。邮箱是企业邮箱的,通常在其前面加www.的前缀,就是交易商的网站。投资者可以通过FCA上登记的联系方式,确认交易商信息。
第五步:确认它是否受英国金融服务补偿保护计划(FSCS)保护
如下图,在状态栏中有FSCS这项,前面划√了,说明是有FSCS的赔偿计划的。FSCS的用途:如果受FCA监管的企业破产,账户开在英国FCA监管的投资者可以向FSCS申请50000英镑上限的赔偿,也就是说投资金额少于或等于50000英镑的一般能够得到全额赔付。
第六步:确认能否容纳和控制客户资金
1、能够容纳和客户资金的交易商“Permission”一栏,如下图所示↓
2、不能容纳但是可能在一定的条件下能控制客户资金,如下图所示
3、欧牌监管状态EEA Authorised在FCA监管条例下不能容纳和控制客户资金,因为它真正监管机构不是FCA,而是公司注册地的欧盟国家,这类公司的资金安全要看它在注册地的欧盟国家的监管条例。如下图所示
4、Authorised representative (AR)牌照能不能容纳和控制客户资金要看授权公司,授权公司可以容纳和控制客户资金的话,AR的客户资金是存入授权公司指定的隔离账户中。如下图所示↓
第七步:确认Permission一栏中可以提供的金融服务中是否包含rolling spot forex contact(外汇保证金交易)
以下所列是一家FCA全牌照的外汇交易商一般都会包含的项目,其中必有Roll Spot Forex Contact 即期滚存外汇合约交易(也就是外汇保证金交易)这项。
Making arrangements with a view to transactions in investments(投资交易的安排)
Dealing in investments as agent(交易经纪业务)
Dealing in investments as principal(交易主体业务)
Safeguarding and administration of assets (资产的保护与管理)
第八步:大家尤其要关注其金融服务可以面向的客户范围是否包含零售客户(Retail),毕竟多数人都属于零售外汇投资者。
Permission一栏中会列出每大项金融服务可以面向的客户范围:Customer Type(客户范围),Eligible Counterparty(合格对手),professional(机构客户),retail(零售客户)。
监管投诉
当对投资不满意时,您可以通过以下3个步骤进行投诉:
步骤一: 直接联系外汇交易商
当您有投诉时,最好的方式是直接联系外汇平台帮忙解决。
1)最好是用邮件提出投诉以便他们存档记录,从而更好地解决您的投诉。
2)当公司收到投诉之后,会以书面的形式告知已经收到您的投诉。
步骤二:若对外汇交易商处理结果不满意,可联系英国金融申诉机构FOS进行投诉
如果您对交易商的回复不满意,或他们拒绝您的投诉或您在8周内没有收到他们的回复,您可以联系FOS进行免费投诉。
有两种投诉方式可选:
(1)在线向FOS提交投诉。
在线投诉地址:https://help.financial-ombudsman.org.uk/help
在线投诉表格翻译参考模板(请点击下图查看模板):
(2)邮件向FOS提交投诉。
邮件投诉地址:complaint.info@financial-ombudsman.org.uk
邮件投诉时,所需下载的投诉表格地址:
http://www.financial-ombudsman.org.uk/consumer/form/complaint_form.pdf
投诉表格翻译参考模板(请点击下图查看模板):
步骤三:投诉到法庭
如果您对FOS的决策不满意且不打算寻求其他的投诉解决方案,您可以投诉到法庭。可以在英格兰,威尔士和北爱尔兰的郡法院或高级法院提起诉讼。而苏格兰,郡法院处理大多数小投诉。
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