Essay代写：American talent strategy

下面为大家整理一篇优秀的essay代写范文- American talent strategy，供大家参考学习，这篇论文讨论了美国的人才策略。在近代经济发展中，当许多发展中国家为寻找和引进资金而竭尽全力的时候，美国捷足先登，把人才作为最重要的经济资源，积极培养，大量引入，尽情享受着人才所创造的巨大经济效益。美国在大力发展教育、培养造就人才的同时，千方百计引进人才。在世界范围内争夺人才，是美国人才战略的重要组成部分。

The knowledge economy is the talent economy, which is the new idea of the talent strategy in the 21st century. In the late 1990s, the United States federal government put the focus of science and technology strategy and talent strategy on revitalizing the country's comprehensive national strength. The United States in the world's talent war has set off a new climax, for the 21st century the United States in the knowledge economy to continue to "lead the way" to do the preparation of human resources. In order to make the rapid development of domestic high-tech talent, the United States congress passed the "target of the year 2000 education America" program. Clearly put forward that in terms of basic education, American students should achieve world-class results in science and mathematics. In terms of university education, college students in various disciplines will become talents with strong ability and adapt to the requirements of knowledge economy. In terms of career education, we will continue to focus on education and education for life, implement the talent development plan, and make the best scientists and engineers in the 21st century. At present, there are more than 3,600 institutions of higher learning in the United States, which can provide various education opportunities for about 50% of adults, and focus on cultivating talents for high-tech industries and the future. In recent years, American colleges and universities have enrolled more than 17 million students each year. The United States spends about 7% of GDP on basic education, ranking first in the world, and spends $600 billion on employee training. In the modern economic development, when many developing countries made great efforts to seek and introduce capital, the United States was the first to take talents as the most important economic resources, actively cultivated and introduced a large number of talents, and enjoyed the huge economic benefits created by talents to the full.

While vigorously developing education and cultivating talents, the United States will do everything possible to attract talents. Competing for talent around the world is an important part of America's talent strategy. While vigorously developing education and cultivating talents, the United States will do everything possible to attract talents. Competing for talent around the world is an important part of America's talent strategy.

Since the 1960s, congress has repeatedly amended immigration laws to attract top talent from around the world. According to the latest immigration law, the country sets aside 29,000 immigration quotas each year to attract high-tech talents from abroad. In 1990, the U.S. congress created the h-ib visa program, which issues 65,000 visas a year to foreigners with a bachelor's degree or above to work in the United States. In recent years, high-tech companies have been pressuring congress to expand the number of h-ib visas amid a growing demand for high-tech talent in the United States. For two years, congress agreed to increase the number of such visas to 115,000 a year. But according to a spokesman for the U.S. immigration program, the number of h-ib visas issued in 1999 exceeded the amount mandated by congress, with 20,000 more being issued, including 10% from mainland China. The United States is currently considering raising the cap on foreign professionals to 200,000 a year. A 2007 study by harvard, duke, and New York university, "intellectual property, immigration backwaters, and countercurrent talent: the new immigrant entrepreneur in America," was published in the American journal of intellectual property. The study, which looked at international patent filings across America in 2006, found that almost 25% of inventors came from outside America. Between 1995 and 2005, 25 percent of all engineering and technology companies that started in the United States were founded outside the United States, and half of them started in silicon valley, employing 450,000 people and generating $52 billion in revenue in 2005 alone. Professor d wake wadhwa, after the financial crisis continued writing counter-current warned the government of the talents, he is a harvard study, head of the United States reverse brain drain, he said: "so far, the United States has been thanks to attract the world's top talent".

The United States has established a variety of funding for international students. For example, usaid, the Fulbright foundation, the ford foundation, and the Rockefeller foundation all provide scholarships for international students from developing countries. The United States invests as much as $2.5 billion a year in foreign students. At present, the United States is the world's largest attraction to foreign students. Some of the best universities in the United States recruit some of the best people in the world. According to statistics, in recent years, more than half of high-tech graduates from tsinghua university and Peking University have gone to the United States. In 2003 alone, there were about 400, 000 senior talent working in the United States across the European Union, and 75 percent of senior research talent wanted to remain in the United States.

The most important thing is to buy with heavy money. Or buy technology, or hire high tech people. At present, the United States has collected more than one million talents from 180 countries and regions. A group of American scientists composed of foreigners was formed, which was unique to the United States. In the 1990s, more than half of America's 12,000-30,000 top scientists and engineers were foreigners, including a quarter of them Chinese, according to official figures.

As America's demand for high-tech talent grows, many companies are finding it hard to get h-ib visas from congress. Unable to recruit foreign talent, they have invented "localisation strategies" to get companies out of the country. If you can't bring in the talent, take the job and hire on the spot, says the President of a Chicago-based technology consulting firm. So America has gone deep into the developing world to grab talent.

Compared with most developing countries, the talent strategy and system of Germany, Britain, France and other traditional developed countries have been highly commendable, and have opened channels for talents to obtain visas, green CARDS and subsequent naturalization through talent, skills, investment, and even allowed these talents from foreign countries to retain dual nationality.

The Suggestions of China's international talent competition strategy include: relaxing the restrictions on studying abroad talents, overseas talents entering the system and participating in politics and discussion; We will establish a talent immigration system and reform the system of citizenship, green CARDS and visas. Improve the international talent salary incentive system; Establishment of a national immigration/study-abroad affairs bureau; Establish a global contact station for overseas Chinese talents/Chinese Americans; Establishing an international think tank and talent research center; Establishing overseas high-end talent database and improving international talent service platform; Establishing national international talent headhunting institutions; National venture funds and guarantee institutions have been established to help high-tech and new economic industries. For example, since 2007, nanjing has explored the talent work model of "innovation in universities and entrepreneurship in parks", and universities and parks have opened up industry-university-research cooperation. South university of technology to provide full-time staffing, professor positions, according to the need to provide a research team, the establishment of related research institute; During the employment period, ntu shall provide laboratories of no less than 100 square meters for each leading talent; Each leading talent will be provided with a special fund of 3 million yuan for the construction of experimental instruments and equipment. On the one hand, utilizing the means such as policies, services, to provide a foothold for industrialization of science and technology projects, on the other hand, take advantage of talents of academic feedback of colleges and universities and scientific research institutes, and in the depth of talent use at the same time, form the win-win situation, south university offers full-time, professor post, equipped with the team, according to the need to set up relevant institute; During the employment period, ntu shall provide laboratories of no less than 100 square meters for each leading talent; Gulou district provides a special fund of 3 million yuan for the construction of experimental instruments and equipment for each leading talent. In order to release a steady stream of innovation vitality; We will carry out international cooperation in running schools and strengthen the international training program for serving government civil servants.

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Assignment代写：Constitution of the United States

下面为大家整理一篇优秀的assignment代写范文- Constitution of the United States，供大家参考学习，这篇论文讨论了美国宪法。1787年美国联邦宪法典由序言和七条正文组成。宪法序言简要阐明了宪法产生的渊源是合众国人民，宪法制定的宗旨是增进联邦的团结、正义、国内外和平、自由和一般福利。宪法创造了一个崭新的政治体制，将联邦制及政府权力制衡的理论变成现实。但由于历史的局限性，美国宪法仍然存在诸多未解决的困境。

The constitution of the United States of America, enacted in 1787, is the world's first written constitution in a modern sense. This constitution created a new political system, turning theories of federalism and checks and balances on government into reality. Due to the limitations of history, there are still many unresolved dilemmas in the American constitution.

The United States constitutional code of 1787 consists of a preamble and seven articles. The preamble to the constitution briefly states that the origin of the constitution is "the people of the United States. Article 1 of the constitution provides for the legislative power; Article 2 prescribes executive power; Article 3 provides for judicial power; The powers conferred upon the states by article 4; Article 5 prescribes the procedures for the introduction and adoption of amendments to the constitution; Article 6 provides for the effective status of the constitution; Article 7 provides for the ratification of the constitution itself.

Constitutional amendment is an important part of the constitution of the United States, which represents the basic development path and direction of the American constitutional system. Under article 5 of the United States constitution, the only formal form of constitutional amendment is the constitutional amendment. On the basis of referring to the bills of rights of the states, Madison drafted twelve amendments to the constitution, which were passed by the first federal congress and submitted to the states for ratification on September 25, 1789. Among them, the first ten amendments, which came into effect on November 3, 1791, are the "bill of rights". Since 1791, the United States has passed 27 amendments.

The constitution of the United States, which came into force in 1789, provided for the separation of powers and checks and balances among the executive, legislative and judicial branches. In order to change this situation, the judicial review system came into being when the Supreme Court was given enough power to balance the top executive organ and the national legislature. Judicial review was established by justice John Marshall in 1803 in marbury v. Madison. Since then, the Supreme Court has examined the legislation enacted by the congress or the executive actions of the President when trying specific cases, in order to decide whether it is unconstitutional.

Due to the limitations of history, the constitution of 1787 was deficient in the following aspects from a later, more democratic perspective:

The constitution of 1787 neither banned slavery nor gave congress the power to do so. In fact, the compromise on slavery not only negated the effective power of congress to prohibit the importation of slaves, which lasted until 1808, but also gave rise to a morally unacceptable law, the fugitive slave act. Under this law, slaves who tried to escape to free states had to be sent back to their slaveholders, who still owned them. It took about three-quarters of a century and a bloody civil war to abolish slavery.

The constitution of 1787 did not guarantee universal suffrage, but left the determination of eligibility to the states themselves. It was excluded by women, African Americans and native Americans. It took about a century and a half for women to be constitutionally guaranteed the right to vote. It took nearly two centuries for the President and congress to pass legislation guaranteeing African Americans the right to vote, barring a handful of state vetoes.

The framers' flawed electoral college, which they hoped would insulate the President from party politics, has, ironically, fallen victim to constitutional law. Although the 12th amendment, passed in 1804, prevented a similar future, even with this amendment, the electoral college was transformed by partisan politics into a way of distributing the votes of the states to the President and vice President.

The question of equal representation in the senate led not only to the most chaotic debate in the constitutional convention, but also to the undemocratic character of the constitution. Should the states be equally represented in congress, or should both Chambers be divided according to population? The delegates had a long and heated debate on this issue. The net result is that every state, regardless of population, has an equal number of senators. This arrangement fails to protect the basic rights and interests of the majority of the deprived minorities and gains disproportionate power over government policies and population at the expense of the powerless minorities.

Congress's power is limited in ways that prevent the federal government from exercising control over the economy. For example, the federal government does not have a clear constitutional mandate to regulate railroad rates, aviation safety, food and medicine, banking, minimum wages, and many other matters. Nor does it have the power to tax income, making it difficult to enact fiscal policy or other safeguards.

The constitution of 1787 did not clearly stipulate the right of final interpretation. It does not stipulate that the Supreme Court of the United States has the final power to interpret the constitution. As a result, the judicial system is the weakest of the three powers, and the separation of powers system is virtually useless. In marbury v Madison, for example, the secretary of state simply ignored a letter from the Supreme Court asking him to explain the reasons for holding appointments.

"The greatest flaw of judicial review is that it USES an undemocratic body to examine the constitutionality of laws made by democratically elected legislatures." From the perspective of the realistic political environment, this system has indeed become the main way to check whether the implementation of the constitution of various countries is in good condition. If there is to be a theoretical justification for judicial review, the only acceptable and admissible reason is that if there is no legal body to enforce a "written constitution containing binding limits on the scope of government power," then what good are those limits.

Whether at the macro level or at the micro level, there are specific legal system problems in judicial review. Whether, and if so, what is the ultimate standard the Supreme Court follows in judicial review. Chief justice Marshall of the Supreme Court held that "as long as the end is lawful and within the limits of the constitution, all appropriate means that are clearly fit for the end and not prohibited but consistent with the letter and spirit of the constitution are constitutional." But such a broad and vague interpretation is controversial. In addition, the Supreme Court declared a law unconstitutional, whether has the retrospective, and also has not a definite conclusion, the Supreme Court's attitude toward the fuzzy often, Supreme Court judge cardozo had offered, for example, whether a retrospective is a matter of policy, owing to the different things that should be aimed at specific concrete analysis case, the specific details of a case by case to make decision.

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怎么写Argument Essay

Argument Essay，就是一种辩论型的论文，简单来说，就是作者通过各种论述和材料来证明自己的观点。Argument Essay虽然难度不大，但对于辩论能力不强的同学而言，也是有一定难度的。那么Argument Essay该怎么写呢？下面就给大家讲解一下Argument Essay的写作技巧。

其实，对于Argument Essay来讲，最重要步骤在于：破题。

写作步骤：

第一段：开头段。主要是归纳论点，说明论点有问题，存在逻辑漏洞，准备发起进。

第一层：This argument concludes/recommends/argues that…

第二层：To support this conclusion the writer cites…/points out that…

第三层：However, this argument suffers from several critical flaws and is therefore unconvincing/ unpersuasive as it stands.

第二段和第三段甚至第四段：分类别去攻击各个逻辑错误。(以因果关系类错误为例)

One problem with the argument is that, the editorial observes a correlation between… and …, then concludes that the former is the cause of the latter. However, the editorial fails to rule out other possible explanations for…For example,… Any of these factors, or other social, political or economic factors, might lead to…Without ruling out all other such factors it is unfair to conclude that…

第五段：结尾段。作者的结论似乎是合理的，但是通过论证，不是这样的。因此作者在做出决定之前，应该还要考虑其他情况。我们通过一篇文章作为实例来介绍Argument Essay的论证步骤和论证方法以及文章结构。

In the final analysis, the letter’s author fails to adequately support there commendation that…To bolster the argument, the arguer must provide detailed demo graphic/statistical evidence showing that…The author must also provide evidence–perhaps by way of a reliable survey—that…

以上就是Argument Essay的写作技巧讲解，同学们在写作Argument Essay的时候一定要把论证部分写好，不然论文就会没有说服力。

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Paper代写：Enterprise human resource management

本篇paper代写- Enterprise human resource management讨论了企业人力资源管理。人力资源管理，指的是对企业各个岗位的人员进行有条理的管理，发挥其最大的作用来为企业提供优质的服务，从而促进企业的发展。人才的发展促进企业的发展，优秀的人才会给企业带来巨大的效益，因此企业需要加强人力资源管理，只有这样才能使得企业在激烈的竞争中处于不败之地，促进企业又好又快的稳定发展下去。本篇paper代写由51due代写平台整理，供大家参考阅读。

There are six important parts of human resource management, namely salary, performance, employee relationship, training, recruitment and human resource planning. It is necessary to manage the staff in each position in an orderly way, give full play to their talents, and give full play to their best role to provide quality service for the enterprise, so as to promote the enterprise? The development of I. Concrete manifestation for recruitment and excavate potential talents, training for the employee to make it more understand the present situation, the comprehensive evaluation of enterprises staff, good staff for rewards, conversely give warning, carry out various activities, rich enterprise culture, etc., improve staff's self-discipline, better improve their skills, team cooperation ability, so as to realize the optimization of human resources. This also requires enterprises to optimize and innovate human resource management to cope with such a competitive market economy.

We often encounter such a problem in practical work, many enterprises in the recruitment of talent, only pay attention to education, but ignore the ability of talent and their own quality. Some enterprises to qualifications for the conditions of recruitment of a lot of highly educated personnel, master's degree, doctoral students, but the actual work of the role is not big, the effect is not as good as the imagination, some people are not used, some overqualified, so that its role is not a great play; And those who have really accumulated rich experience in the work, the work ability is very strong, but because of no education and diploma and not the reuse of the enterprise. Even some enterprises only pay attention to the technical level when recruiting, ignoring the moral quality of talents, making some crooked people take the management position, causing some bad influence inside the enterprise, bringing some people around, causing chaos inside the enterprise, and even causing economic losses of the enterprise.

There is no scientific evaluation mechanism, evaluation of enterprise tend to rely on "impression" to judge, it is one-sided, because managers' personal preferences and treat talent view differences and produce certain deviation, to a certain extent affect the enthusiasm of employees, the potential of talent can't play much, cause the waste of personnel, so a scientific and effective evaluation mechanism of enterprise human resources management and great effect.

Enterprise has certain aware of the importance of talent, but the management of human resources not enough understanding, this is mainly embodied in the human resources can not truly people-oriented, it revolves around things, this can make the enterprise human resources management can't from the perspective of the whole, and the rest of the enterprise, is not an option has no effect to promote the development of enterprises. On the other hand, they don't pay enough attention to the thoughts of the human resources management. The management of grassroots employees is not in place, which often leads to the phenomenon that their thoughts can't keep up with other management.

Human resource management should be placed in the important position of enterprise development, or even equal to the position of enterprise development. The human resources of an enterprise should make corresponding plans according to its long-term planning, so as to better cater to the development direction of the enterprise when seeking and recruiting talents. At present, many enterprises have realized the importance of human resource management, but they just changed the title of "human resource management department" to "human resource management department", without changing its role substantially, so it cannot play its role better.

At present, many enterprises, more or less there is a phenomenon, that is, nepotism, so there will be some unreasonable phenomenon in the distribution of posts. Many new employees into the enterprise, first consider the issues of promotion and personal development, and enterprise incentive mechanism is often limited to the salary, salary is important but more important to the development of some young people, and companies tend to because qualifications problem which limits the development of aspiring employees, neglecting to their training and education, this kind of situation is extremely unfavorable for the enterprise.

A sound and perfect mechanism for the enterprise, is conducive to promoting the development of the enterprise, the enterprise fully mining and hiring human resources management personnel is conducive to the improvement and reform of the enterprise system, promote the enterprise to develop in a better direction.

Talents are also part of the comprehensive competitiveness of enterprises. Innovation of human resource management is also the innovation of talents, which is conducive to the improvement of enterprise competitiveness, the recruitment of talents, and the introduction of new technologies, so as to promote the development of enterprises and accelerate the pace of enterprise innovation.

The management level of an enterprise directly affects the benefit of the enterprise, and the management level depends on the quality of management personnel. To promote the development of an enterprise, it is necessary to introduce some high-quality and high-quality management elites, so as to improve the management level of the enterprise comprehensively.

The so-called science and technology is the first productive force, and the progress of science and technology will drive the rapid development of enterprises. Enterprises need a team of high-tech talents, and the innovation of human resources can truly make the best use of talents by recruiting and training excellent talents, thus making the development of enterprises more stable.

Appear in the process of the development of the enterprise personnel flow, and some technical requirements for jobs is higher, in the event of staff turnover, then will bring some loss, in order to avoid this situation, enterprises need to optimize human resources system, recruit some serious and responsible, long-term stability of the professionals, try to reduce the effects of KongGang.

It is necessary to realize the important role of talents in the development of enterprises so as to attach importance to the development of human resource management. Human resource management is composed of many comprehensive things, but simply put, it is to fully stimulate the potential of employees, give full play to the greatest ability, so as to reflect the maximum value of employees in the enterprise. In addition, targeted training is needed for new employees. Many of the new employees recruited by enterprises are students lacking work experience. Therefore, enterprises should focus on training such personnel to integrate them into the work as soon as possible, understand the corporate culture, urge them to make progress and help them grow up.

The competition among enterprises is also the competition among talents. Therefore, human resource management should be placed in an important position to tap and cultivate talents with potential, formulate relevant management policies, and promote the development of human resources of enterprises. Specifically, enterprises need to use what kind of talent should be in line with the development of enterprises to recruit personnel, to train, so as to better serve the enterprise. First of all, a sound mechanism should be established to make the implementation more effective. Only the advanced employing mechanism and incentive mechanism can make the enterprise human resource management more perfect. The first aspect is that for new employees, they should first see the space for development and opportunities for development, so as to have more goals. Tau flattering dai li file.some show the vigilant ぃ? Let them see the future promotion space, so as to work for it; On the other hand, in terms of salary, there should be ladders, encouraging more work, clear rewards and punishments, rewarding employees who work hard and upward, and making corresponding punishment measures on the contrary. In order to attract new employees through such a mechanism, stable old employees, better for the development of the enterprise to make contributions.

With the rapid development of the Internet, more and more people choose to post their resumes on the Internet and use the platform of the Internet to choose their favorite jobs. Enterprises can use this novel form of the Internet to recruit talents and better select and reserve excellent talents for enterprises.

The development of enterprises cannot do without talents, especially human resource management. Enterprises should not only retain and prevent the loss of existing talents, but also explore and reserve human resources. In the process of personnel selection, it is necessary to combine with the actual situation of the enterprise, select people who are conducive to the development of the enterprise, conduct comprehensive assessment in all aspects, and improve the talent selection system. Enterprises can also choose to cooperate with some schools as the key objects. After graduation, students can directly enter the enterprises for internship, and then carry out targeted training and education. Those with excellent performance during the internship can choose to continue to work in the enterprises. Such cooperation is conducive to consolidating the strength of the enterprise's human resources, laying a certain human resources foundation for the development of the enterprise, and injecting more fresh blood into the enterprise.

The original system may have some undeserved personal emotions due to personal preferences and the views of individual employees on how to treat others and do things. With the development of the Internet, enterprises can build a more rational and scientific network evaluation system for employees, so that every employee of the enterprise can get a fair and just evaluation.

"People-oriented" is the enterprise need pay attention to a problem, the development of talent to promote the development of the enterprise, excellent talents will bring enormous benefits, so companies need to strengthen the human resource management, only in this way can make the enterprise is in the invincible position in the fierce competition, and promote the stability of the sound and rapid development.

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Essay代写：The UK's financial ombudsman system

下面为大家整理一篇优秀的essay代写范文- The UK's financial ombudsman system，供大家参考学习，这篇论文讨论了英国的金融申诉专员制度。英国于2000年通过了《金融服务与市场法》，将原有的金融申诉专员组织进行了整合，并成立了一个金融申诉专员服务公司，专门处理消费者与金融机构之间的纠纷。据此，一个统合型的金融申诉专员服务机构在英国正式建立。英国的金融申诉专员制度具有独立、公平、快速灵活、易接近民众等特点。

In the face of increasing financial consumption cases, the financial ombudsman system, as a kind of dispute resolution mechanism outside litigation, is highly praised by many countries for its unique institutional advantages. England is the first country to construct FOS system, and its system model is the most representative, so it is used for reference by many countries.

In recent years, in terms of law and policy, countries have increasingly emphasized the diversified development of financial consumption dispute resolution mechanism, and strengthened the emphasis on "dispute resolution mechanism outside litigation". Looking at the financial ADR system in various countries, in addition to the "arbitration" and "mediation", there is also a system called "ombudsman". As far as the ombudsman system is concerned, it was originally an appeal processing mechanism in the field of public law to deal with citizens' complaints against government agencies or civil servants.

In the 1980s, the ombudsman system was extended to financial services in order to strengthen the protection of financial consumers and establish a rapid, low-cost and accessible dispute settlement mechanism. The first financial ombudsman system was set up in 1981 when several UK insurers set up their own insurance ombudsman. Subsequently, the ombudsman system was gradually extended to all areas of the UK financial industry. In fact, the establishment of various financial ombudsman systems has indeed enhanced the protection of financial consumers, but it has also resulted in the overlapping of various complaint mechanisms, which often make consumers at a loss. In addition, the independence and credibility of these ombudsman mechanisms are often questioned, and the decentralized appeal mechanism is prone to lead to blind spots in jurisdiction. So the call for a unified financial ombudsman is growing. Against this backdrop, the UK passed the financial services and markets act in 2000, which consolidated the existing financial ombudsman organisation and set up a financial ombudsman services company to deal with disputes between consumers and financial institutions. Accordingly, a unified financial ombudsman service was formally established in the UK.

FOS in the nature of the United Kingdom belongs to guarantee liability limited company, its organizational structure includes three parts, namely: the board of directors and executive team, case processing department, basic support department. FOS's board of directors currently consists of nine people, and are non-executive directors. The directors are appointed by the financial services authority, while the chairman is nominated by the FSA and confirmed by the Treasury. FOS chairman of the board of directors to the FSA quarterly report on the implementation of the work plan, every year to submit the annual performance of the company's various functions report. FOS directors are appointed by the FSA, but it is not a civil servant, and once appointed may not be removed at will. In addition, FOS operating funds are not from the government, but from two aspects, namely: one is the annual fee paid by financial institutions, the second is the case processing fees. The fees charged for handling the case are borne by the financial institution against which the complaint is filed, and consumers do not have to pay.

According to the provisions of the FSA guidance manual, the consumers can appeal to FOS include: first, individual consumers; Second, small and micro enterprises; Third, public interest groups earning less than 1m a year; Fourth, a trustee with a net asset value of less than 1m. At the same time, the plaintiff's complaint must also be within the jurisdiction of FOS. Specifically, FOS jurisdiction is divided into two types, namely: when the plaintiff to FOS complaints belong to the financial activities within the mandatory jurisdiction rules formulated by the FSA, the application of "mandatory jurisdiction"; When a plaintiff's complaint about FOS falls within the FSA's voluntary jurisdiction rules for financial activities, the "voluntary jurisdiction" applies. In addition, when the UK consumer credit act was amended in 2006, section 59 and section 60 of the consumer credit jurisdiction provisions were added. At the same time, FSMA also amended section 226A and section 234A to serve as the legal basis for the consumer credit jurisdiction. Therefore, in addition to mandatory jurisdiction and voluntary jurisdiction, FOS also includes "consumer credit jurisdiction." It should be pointed out that before consumers to FOS complaints, it should be the first to the complaint of the financial institutions, the financial institutions must respond within eight weeks. If consumers can not accept the response, or more than eight weeks still no response, it can file a complaint on the case to FOS. In addition, FOS also provides for the limitation of appeal, that is: in the right to be violated within six years from the date, or know the right to be violated within three years from the date; if you receive a financial institution's decision, the plaintiff is required to file a complaint to FOS within six months.

FOS for consumer complaints case processing includes three stages. In the first stage, the customer liaison department first reviews whether the complaint should be accepted. After the review, the customer liaison department of the consumer consultant will listen to the views of both sides of the dispute and see the relevant information, after which it will put forward to consumers FOS resolution recommendations. If the dispute cannot be resolved, the case will be transferred to the case department and enter the second phase. In the second stage, the referee will mediate between the two parties to reach a settlement agreement. If a settlement cannot be reached, the first referee will make an initial decision. In cases where the initial decision still fails to resolve the dispute, the case will proceed to the third stage, which will be heard by the ombudsman. In the third phase, the ombudsman will, in principle, hear the case in writing, but may still hear the parties' views or hold a hearing if necessary. The decision of the ombudsman is final. If accepted by consumers, the ruling automatically takes effect for financial institutions. If the consumer refuses or does not reply FOS within the specified time, the ruling is not binding on both parties to the dispute, at this time, consumers can Sue the court separately.

In general, the British FOS with independent, fair, fast and flexible, easy to access to the public and other characteristics. These characteristics make the British FOS in the handling of financial consumption cases plays a very important role, but also make it gradually become the model system in countries, and set off a wave of legal transplant in the whole world.

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