论金融消费者权益保护的平等原则与差别原则

The equality and difference principles of protecting the rights and interests of financial consumers

金融消费者权益保护是金融监管的重要一环,与人民群众的利益息息相关。近年来,各部门逐渐加强对金融消费者权益的保护,特别是在银行领域。平等原则是保障金融消费者基本权益的主要手段,但是机械地适用该原则容易忽视弱势群体(如残疾人)的利益。因此,应综合看待金融消费者群体,引入差别原则,充分考虑残疾人等弱势群体的特殊性,更好地满足残障人士的日常金融服务需求。

The protection of financial consumer rights and interests is an important part of financial regulation,closely related to the in-terests of the people.In recent years,various departments have gradually strengthened their protection of the rights and interests of financial consumers,especially in the banking sector.The principle of equality is the main means to protect the basic rights and interests of financial consumers,but the mechanical application of this principle can easily overlook the interests of vulnerable groups such as people with disa-bilities.Therefore,it is necessary to take a comprehensive view of the financial consumer group,introduce the principle of differentiation,fully consider the particularity of vulnerable groups such as people with disabilities,and better meet the daily financial service needs of people with disabilities.