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伴随着当前我国的金融产品越来越专业化和多样化,金融消费者在自身的金融交易过程中,其信息弱势地位越来越明显,过去传统的法律将金融消费者和金融机构之间放在了平等民事的主体地位,并没有要求我国的金融机构对于金融消费者充分履行信息披露这一义务,进而使得金融消费者以及金融机构这二者处于一种义务和权利不平等的状态,并且因此引发了很多金融机构对金融消费者权益进行侵害的事件。知情权是法律赋予金融消费者维护自己合法权益的基本权利,也是金融消费者行使其他权益的重要基础。本文从金融消费者知情权保护的必要性入手,对金融消费者知情权法律保护制度的建立提出了几点建议。
With the increasing specialization and diversification of financial products in our country, financial consumers become more and more vulnerable in the process of their own financial transactions. In the past, the traditional law has put financial consumers and financial institutions together In the main body of equal civil rights, China’s financial institutions have not been required to fully fulfill the obligation of financial consumers to disclose information, so that both financial consumers and financial institutions are in an unequal obligation and rights status, and As a result, many financial institutions have infringed on the rights and interests of financial consumers. The right to be informed is the basic right that the law gives financial consumers to safeguard their own legitimate rights and interests and is also an important foundation for financial consumers to exercise other rights and interests. This article starts from the necessity of financial consumers’ right to know, and puts forward some suggestions on the establishment of legal protection system of right to information of financial consumers.