浅议金融消费者权益保护

On financial consumer protection

2008年金融危机后,各国均反思金融消费者权益保护缺失,纷纷构筑法律制度予以完善,而反观中国,虽然,实务中金融消费者权益受侵犯案例比比皆是,但是,在法律领域至今未出台相关制度加以规范,甚至连"金融消费者"这一名称亦未正式立法界定,最新修改的消费者权益保护法亦未有所涉及,故,笔者尝试在此领域加以思考,界定"金融消费者",并设想其知情权和隐私权的保护,以及是否需给予其适度反悔权。

After the 2008 financial crisis, all the countries on the financial consumer protection is missing, have made to improve the legal system, and in the China, although in practice, financial consumer rights infringement cases meet the eye everywhere, but not so far in the field of law, promulgated relevant regulations, even the 'financial consumer' name is not formal legal definition, consumer rights and interests protection law amendment is not involved, therefore, the author attempts to think in this field, the definition of 'financial consumer', and that the right to know and the right of privacy protection, and whether to give the proper rights of rescission.