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在日益强调金融消费者保护的大环境下,界定金融消费者的概念十分重要。目前而言,“金融消费者”概念尚未引入到我国的法律文本中,故学术界对其概念的界定均未形成统一观点。本文首先梳理了学术界对金融消费者概念的认识,并结合对国外相关立法例的借鉴和梳理,提出了本文对金融消费者概念的看法,并且探讨了金融消费者概念的完善对金融消费者保护制度的价值功能。
In the context of the growing emphasis on financial consumer protection, the concept of defining financial consumers is important. At present, the concept of “financial consumer ” has not been introduced into the legal texts of our country. Therefore, no consensus on the definition of concepts has been formed in academia. This paper first sorts out the academic understanding of the concept of financial consumers, combined with the reference to foreign legislation and combing, put forward the concept of financial consumers in this paper, and discusses the concept of financial consumers improve the financial consumers The value function of protection system.