论金融消费者的保护问题——类型化保护是根本解决途径

On the Protection of the Financial Consumers—Type Protection is the Way

"金融消费者"在我国尚属于新生事物,并未成为一个确定的法律概念,理论界相关的探讨也寥寥可数,且争议和矛盾不断。在现代民商法领域,弱者保护理念不断加强,在认识到金融消费者弱势地位的基础上,向其提供倾斜性保护成为法律的必然选择。但就立法现状而言,在我国要真正实现金融消费者保护,首先就必须厘清"金融消费者"这一范畴,尽量给出金融消费者清晰的法律界定,粗略划定其范围,才能解决其保护问题。而我国金融消费者其范围非常广泛,几乎涉及金融行业的绝大多数领域,内容的丰富性,尤其是传统金融业务与投资类业务的较大差别使得同等保护标准不能够适用于金融消费者。因此,金融消费者类型化保护成为解决其保护问题的根本途径。

Financial consumer is a kind of new group in our country which is not a proper legal concept at present. The relevant researches are few and there are still dispute about it. In the modem civil business law field, the idea of protecting the weak side is being strengthened. Based on the weak position of financial consumer, the protection of them is the inevitable of law. However, at present situation, to realize the protection of financial consumers, we have to make a clear understanding on the concept. Therefore, the first thing is to make the proper definition about financial consumer in law. In China, the concept of financial consumer covers a wide range, so the implementation of the type protection is the best way to protect them.