我国监管机构对“金融消费者”概念的承认度不一。域外法中“金融消费者”基本上涉及了所有传统金融子行业;对消费者自身条件,有设限的也有不设限的。我国学界现有研究也有类似分歧。现实中的金融服务、金融商品具有跨行业性和跨类别性,只要是接受金融服务的人就应为金融消费者;其中有些消费者由于自身具有金融专业知识、相当的经济风险承受能力,购买或接受某些高风险性的金融商品或服务,则可被归为金融投资者。金融消费者与金融投资者应为包含与被包含的关系。 Chinese regulators have different degrees of recognition of the concept of “financial consumers.” Extraterritorial law “financial consumers ” basically involves all the traditional financial sub-sectors; there are limits to the conditions of the consumers themselves, there are limits. The existing studies in our academic circles also have similar disagreements. In reality, financial services and financial products are cross-sectoral and cross-class. Financial recipients should be financial consumers as long as they receive financial services. Some of these consumers, due to their financial expertise and considerable financial risk tolerance, Or accept some high-risk financial goods or services, can be classified as financial investors. Financial consumers and financial investors should include and be involved in the relationship.